Income Tax Calculator NZ 2026

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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