See how much of your pay rise you actually take home after PAYE, ACC, KiwiSaver, and student loan. Enter your current salary and the proposed rise below.
When you receive a pay rise in New Zealand, you do not keep the full amount. PAYE income tax, ACC earners levy, KiwiSaver contributions, and student loan repayments all take a portion. The amount you keep depends primarily on your marginal tax rate: the rate applied to the next dollar you earn.
| Salary Range | PAYE | + ACC | + KiwiSaver 3.5% | + Student Loan | You Keep |
|---|---|---|---|---|---|
| $0-$15,600 | 10.5% | 12.25% | 15.75% | 27.75% | 72-84c |
| $15,601-$53,500 | 17.5% | 19.25% | 22.75% | 34.75% | 65-77c |
| $53,501-$78,100 | 30% | 31.75% | 35.25% | 47.25% | 53-65c |
| $78,101-$180,000 | 33% | 34.75% | 38.25% | 50.25% | 50-62c |
| $180,001+ | 39% | 40.75% | 44.25% | 56.25% | 44-56c |
NZ uses progressive taxation: only the income within each bracket is taxed at that rate. Moving into a higher bracket does not cause your entire income to be taxed at the higher rate. You always take home more money with a pay rise, even if a smaller percentage of the rise is retained.
Sources: IRD tax rates for individuals (ird.govt.nz). ACC earners levy regulations 2025 (legislation.govt.nz).
This calculator provides indicative estimates using standard PAYE rules. Actual results may vary based on your specific tax code and circumstances.
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