Tax Calculator NZ

This New Zealand tax calculator turns your gross income into your real take-home pay, bringing income tax, the ACC earners levy, KiwiSaver and student loan together in one place for the 2026/27 year. New Zealand uses a tiered PAYE system, where only the income that falls in each band is taxed at that band's rate, so a pay rise never costs you money overall, it just means the top slice is taxed a little higher. You enter your annual gross income, optionally choose a KiwiSaver contribution rate and tick student loan if you have one, and the calculator works out the income tax across the brackets, adds the ACC earners levy that funds injury cover, subtracts your KiwiSaver contribution and any student loan repayment, and shows what actually lands in your account. You can view the result per year, month, fortnight or week to match how you are paid. This makes it a single hub for the most common New Zealand pay questions: how much tax you pay, how a pay rise flows through, what KiwiSaver costs you now, and what your true take-home is. The figures use the 2026/27 rates and thresholds and are an estimate, not tax advice; your payslip may differ slightly due to tax codes and rounding. Enter your income to see your take-home pay straight away.

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$
$53,105
take-home pay (after tax, ACC, KiwiSaver and student loan)
PAYE income tax$13,221
ACC levy$1,225
KiwiSaver$2,450
Student loan$0

Based on 2026/27 brackets, the ACC earners levy (1.75% to the maximum liable income) and a 12% student loan rate above the annual threshold. Excludes Working for Families and IETC. Estimate only, not tax advice.

How it works

The calculator applies the 2026/27 tax brackets to your income, adds the ACC earners levy on income up to the maximum liable amount, then subtracts your KiwiSaver contribution and any student loan repayment of 12 percent on income above the annual threshold. What remains is your take-home pay, shown for your chosen period.

Worked example

On 70,000 dollars with the default 3.5 percent KiwiSaver and no student loan, PAYE is about 13,221 dollars and the ACC levy about 1,225 dollars, with KiwiSaver of 2,450 dollars, leaving a take-home of roughly 53,105 dollars a year.

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Data sources: the rates and thresholds on this page are maintained against Inland Revenue and ACC. Figures are checked twice monthly.

Frequently asked questions

How is income tax calculated in New Zealand?

PAYE is worked out in tiers. For 2026/27 the first 15,600 dollars is taxed at 10.5 percent, then 17.5 percent to 53,500, 30 percent to 78,100, 33 percent to 180,000 and 39 percent above that. Only the income in each band is taxed at that band's rate.

What is the ACC earners levy?

The ACC earners levy is deducted alongside PAYE to fund cover for non-work injuries. It is charged on income up to a maximum, and is shown here separately from income tax.

Does this include KiwiSaver and student loan?

Yes. You can add a KiwiSaver contribution rate and a student loan, and the calculator subtracts both to show your real take-home pay.