What is the Income Tax Calculator NZ 2026?

Calculate your NZ income tax deductions including PAYE, ACC levy, KiwiSaver, and student loan. Enter gross salary by week, fortnight, month, or year. Updated for 2026/27 IRD tax brackets.

Is the Income Tax Calculator NZ 2026 free to use?

Yes. The Income Tax Calculator NZ 2026 is free to use on Calculate.co.nz, with no sign-up, paywall or account required.

Is the Income Tax Calculator NZ 2026 made for New Zealand?

Yes. It is built for New Zealand and uses current New Zealand rules and rates where they apply. Results are indicative estimates and not financial advice.

Income Tax Calculator

Quick answer: New Zealand income tax for 2026/27 is 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, and 39% above $180,000. Your effective rate is total tax divided by income. See the full income tax by bracket table, or enter your income below.

This income tax calculator works out how much tax and other deductions come out of your pay in New Zealand, using the 2026/27 IRD tax brackets, so you know what you actually take home from a given salary. Enter your gross income, choose whether that figure is weekly, fortnightly, monthly or annual, tell it whether you are enrolled in KiwiSaver and, if so, your contribution rate of 3%, 3.5%, 4%, 6%, 8% or 10%, and whether you have a student loan. Press Calculate and it applies the progressive brackets, 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above that, along with the 1.75% ACC earner levy, your KiwiSaver contribution and, where it applies, the 12% student loan repayment above the $24,128 threshold. The results break the deductions down separately into PAYE tax, ACC levy, KiwiSaver and student loan, plus a combined total deductions figure for the year. Use it to check a payslip, compare take-home pay across different salary levels, or see how lifting your KiwiSaver rate or clearing a student loan changes your annual deductions. If you want to see your actual take-home pay once these deductions are subtracted, use our PAYE calculator instead. Figures are indicative estimates based on current settings and do not allow for tax codes, other allowances or secondary income.

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Updated April 2026 Current rates and legislation applied.

Are you enrolled in KiwiSaver? Do you have a Student Loan?

Gross Income

Per

Deduction:

PAYE Tax

ACC Levy

KiwiSaver

Student Loan

Who this calculator is for

This calculator is for employees, sole traders and anyone working out the income tax payable on New Zealand earnings, checking a PAYE deduction, or comparing the tax on different salary levels.

What this calculator assumes

The 2026/27 income tax brackets.
The amount you enter is your annual taxable income.
You are a New Zealand tax resident.
It shows income tax; ACC, KiwiSaver and student loan are separate unless included in the tool. Results are indicative.

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Reviewed and maintained. Last reviewed 2026-08-03 and checked on a twice-monthly cycle against IRD, RBNZ and Stats NZ. How we keep data current.