$0.00
annual take-home pay
0.00% of gross pay
Your deductions are broken down into PAYE, ACC, KiwiSaver, student loan and any pre-tax reduction you turned on.
PAYE summary
Review take-home pay, total deductions, taxable income and employer KiwiSaver contributions across different timeframes.
$0.00
Net pay after PAYE, ACC, KiwiSaver and student loan deductions.
$0.00
Gross income after any pre-tax deductions applied before PAYE.
$0.00
Combined PAYE, ACC, employee KiwiSaver, student loan and pre-tax reductions.
Deduction breakdown
Each bar shows the share of annual gross income allocated to that item.
All timeframes
Use the buttons above to focus the summary cards, while this table keeps every timeframe visible at once.
| Item | Year | Month | Fortnight | Week | Day | Hour |
|---|
Recent calculations
Your last few PAYE runs are stored in this browser so you can compare different salary scenarios quickly.
Important Notes
Built for quick salary comparisons and cleaner tax breakdowns.
Enter a gross income, switch the timeframe if you want to work from monthly or weekly pay, then layer in KiwiSaver, student loan, IETC, and pre-tax deductions from the options drawer below.
- The PAYE income tax brackets are the same for both 2025/26 and 2026/27 based on the rates effective from 31 July 2024 and carried through the tax years beginning 1 April 2025 and 1 April 2026.
- The 2026/27 option applies the higher ACC earners' levy and the KiwiSaver minimum and default contribution increase that took effect from 1 April 2026.
- This calculator is designed for standard employee salary and wage scenarios using annualised assumptions rather than every possible payroll edge case or secondary-income code combination.
PAYE income tax brackets used
The PAYE thresholds below are currently the same for both supported tax years. ACC and KiwiSaver settings change between 2025/26 and 2026/27, but the income tax bands do not.
| Rate | Taxable income | Rule |
|---|
This calculator is a guide for standard employee salary and wage scenarios. If you need exact payroll deductions for special tax codes, secondary income, lump sums, tailored tax codes or complex eligibility questions, confirm the result with Inland Revenue or a payroll professional.
NZ PAYE Calculator
Use the kiwiVerse NZ PAYE Calculator to estimate your take-home pay from an annual salary, hourly wage, weekly pay, fortnightly pay, or monthly pay. This page is designed for New Zealand employees, employers, contractors comparing employee income, and anyone who wants a clearer salary breakdown before accepting a job offer, planning a budget, or reviewing a payslip.
PAYE NZ can feel complicated because your final net income depends on more than one number. Gross pay is only the starting point. From there, PAYE tax, the ACC levy, KiwiSaver contributions, student loan repayments, and other payroll deductions can all affect your after-tax earnings.
Calculate Your Take-home Pay
The calculator helps turn a salary or wage into an estimate of net income after common deductions. Instead of looking only at advertised pay, you can model the impact of income tax, tax withholding, KiwiSaver, ACC, and student loan settings in one place.
| Calculator Input | What It Means | Why It Matters |
|---|---|---|
| Annual salary | Your yearly income before deductions | Common for salaried roles and job offers. |
| Gross pay | Pay before tax and deductions | The base for PAYE and many payroll calculations. |
| Pay frequency | Weekly, fortnightly, monthly, annual, or hourly | Changes how income and deductions appear on each payslip. |
| Tax year | The tax settings for the selected period | ACC and KiwiSaver settings can change between years. |
| KiwiSaver rate | Your selected employee contribution rate | Affects retirement savings and take-home income. |
| Student loan status | Whether student loan deductions apply | Repayments can reduce net pay once income passes the threshold. |
How PAYE Tax Works in New Zealand
PAYE means pay as you earn. It is the system where income tax is deducted from salary and wages before the employee receives their after-tax amount. Inland Revenue explains that employers or payers deduct tax when a person is paid, then pay that tax to Inland Revenue.
This system reduces the chance that employees need to pay their full tax bill at the end of the tax year. PAYE is still only as accurate as the information used in the calculation, so your tax code, income source, student loan status, and payroll settings matter.
Tax code and secondary tax code
Your tax code tells your employer how much tax to deduct from your pay. A secondary tax code may be needed when you receive taxable income from more than one source at the same time. Secondary tax helps people with multiple income sources pay the right amount during the year and reduce the chance of an end-of-year bill.
Gross vs Net Income
Gross income is your pay before deductions. Net income is your pay after deductions, often called take-home pay. Your employment agreement may focus on an annual salary or hourly wage, but your household budget depends on the after-tax amount you actually receive.
| Payroll Term | Plain-English Meaning | Effect on Take-home Pay |
|---|---|---|
| Gross pay | Income before deductions | Starting point for PAYE calculations. |
| Taxable income | Income subject to tax rules | Determines how income tax rates apply. |
| PAYE tax | Tax withheld from salary and wages | Reduces net pay and is paid to Inland Revenue. |
| ACC levy | Levy collected with PAYE on liable earnings | Reduces take-home pay up to the annual cap. |
| Employee contributions | Deductions such as KiwiSaver | Builds savings but reduces cash received now. |
| Net income | Pay after deductions | The amount available for spending or saving. |
Income Tax Rates, Tax Brackets and ACC Levy
New Zealand uses progressive income tax rates. This means higher layers of income are taxed at higher rates, but not all of your income is taxed at your top marginal rate. From 1 April 2025, Inland Revenue lists the individual income tax brackets as 10.5%, 17.5%, 30%, 33%, and 39% across the current income layers.
| Annual Income Layer | Income Tax Rate from 1 April 2025 |
|---|---|
| $0 to $15,600 | 10.5% |
| $15,601 to $53,500 | 17.5% |
| $53,501 to $78,100 | 30% |
| $78,101 to $180,000 | 33% |
| $180,001 and over | 39% |
The ACC earners' levy is collected with PAYE on liable earnings up to a prescribed maximum. Inland Revenue lists 1.67% for 1 April 2025 to 31 March 2026, 1.75% for 1 April 2026 to 31 March 2027, and 1.83% for 1 April 2027 to 31 March 2028.
KiwiSaver and Student Loan Repayments
A strong PAYE calculator should show more than income tax. Many New Zealand workers have KiwiSaver deductions, student loan repayments, or both. These deductions can make a large difference to take-home pay, especially when comparing a higher salary with a lower salary.
KiwiSaver contributions
KiwiSaver employee contributions reduce current take-home pay but support long-term retirement savings. When using a salary calculator, check whether KiwiSaver is switched on and what contribution rate is being modelled.
Student loan repayments
If you have a student loan and earn salary or wages, Inland Revenue says you must add SL to your tax code so your employer knows to deduct repayments from your pay. Student loan repayments are generally 12% of every dollar earned over the repayment threshold.
Weekly Pay, Monthly Pay and Payroll Compliance
The calculator supports different pay frequencies because people are paid in different ways. Some employees receive weekly pay, others are paid fortnightly, four-weekly, or monthly. The same annual salary can feel different depending on when payments arrive and how household bills are scheduled.
| Pay View | Best Used For | What to Check |
|---|---|---|
| Annual salary | Comparing job offers and employment contracts | Whether the figure is gross or includes any special arrangements. |
| Weekly pay | Day-to-day budgeting and rent planning | Whether deductions match your tax code and loan status. |
| Monthly pay | Salary roles and household cash-flow planning | Whether monthly bills align with pay timing. |
| After-tax earnings | Personal financial planning | Whether KiwiSaver, student loan and ACC are included. |
Use kiwiVerse for Smarter PAYE NZ Planning
The kiwiVerse NZ PAYE Calculator is designed to make payroll, tax, and salary decisions easier to understand. By combining PAYE tax, income tax rates, tax brackets, ACC levy, KiwiSaver, student loan repayments, and pay-frequency comparisons, the tool gives users a practical view of gross pay, deductions, and net income.
A calculator should always be treated as an estimate rather than a final payroll ruling. Inland Revenue notes that some situations are not covered by its PAYE calculator, including extra pays, tailored tax codes, special student loan deduction rates, schedular payments, child support deductions, and lump sum payments. If your pay situation is unusual, check directly with Inland Revenue, your employer, or a payroll professional.