ACC earners’ levy
1.75% on liable earnings up to NZD $156,641 for the 2026–27 tax year.
New Zealand PAYE & Salary Calculator
PAYE Calculator NZ 2026
Enter your annual salary to estimate New Zealand income tax, ACC, KiwiSaver, student-loan deductions and take-home pay using current Inland Revenue settings.
Official IRD sources checked: 17 September 2026 at 10:08 am NZST · 5/5 reachable
Current tax year1 April 2026 to 31 March 2027ACC levy 1.75% up to NZD $156,641.
Quick answer
Calculate your NZ salary after tax
This calculator estimates your take-home pay after progressive income tax and the ACC Earners’ levy, with optional KiwiSaver and student-loan deductions. For exact payroll withholding by pay period and tax code, use Inland Revenue’s official PAYE calculator.
Calculator
NZ PAYE and take-home pay calculator
Enter an annual gross salary, choose how you want the result displayed, and optionally include KiwiSaver and student-loan deductions.
Estimated take-home$2,167.00per fortnight
Gross income$75,000.00
Income tax− $14,720.50
ACC earners’ levy− $1,312.50
KiwiSaver (3.5%)− $2,625.00
Estimated annual take-home$56,342.00
Estimated effective income tax + ACC rate: 21.4%. This is a general annual estimate, not payroll-exact PAYE.
2026 tax bands
New Zealand individual income tax rates
| Taxable income | Rate |
|---|---|
| $0–$15,600 | 10.5% |
| $15,601–$53,500 | 17.5% |
| $53,501–$78,100 | 30% |
| $78,101–$180,000 | 33% |
| $180,001+ | 39% |
Other deductions
ACC, KiwiSaver and student loans
KiwiSaver
The default employee contribution rate is 3.5%. Standard higher choices are 4%, 6%, 8% or 10%.
Student loan
For a standard New Zealand-based salary/wage estimate, repayments are generally 12% above the NZD $24,128 annual threshold.
Exact PAYE
When to use Inland Revenue’s PAYE calculator
Webfit News gives a useful annual salary estimate. Exact PAYE can differ because payroll deductions depend on tax code, pay frequency, tailored rates, secondary income, special student-loan settings, bonuses and other circumstances.
Open official IRD PAYE calculator ↗Related guides
More New Zealand tax and pay tools
Minimum Wage NZ
Check the current adult, starting-out and training minimum wage rates.
Check NZ minimum wage →NZ Tax Code Finder
Find the likely IRD tax code for main and secondary income.
Find your NZ tax code →NZ KiwiSaver Calculator
Estimate employee and employer contributions, ESCT and the government contribution.
Calculate KiwiSaver contributions →NZ Rates Rebate Calculator
Estimate a 2026/27 council rates rebate using current thresholds and the statutory maximum.
Check your rates rebate →Official sources
Inland Revenue sources used
Inland Revenue — Tax rates for individualsOfficial Inland Revenue source
Open official page ↗Inland Revenue — PAYE calculatorOfficial Inland Revenue source
Open official page ↗Inland Revenue — ACC earners levy ratesOfficial Inland Revenue source
Open official page ↗Inland Revenue — KiwiSaver changesOfficial Inland Revenue source
Open official page ↗Inland Revenue — Student loan repaymentsOfficial Inland Revenue source
Open official page ↗FAQs
PAYE calculator NZ: common questions
How much PAYE will I pay in New Zealand?
PAYE depends on your taxable income and tax code. This calculator estimates annual income tax using the current individual tax bands, then includes ACC and optional KiwiSaver and student-loan deductions to estimate take-home pay.
What are the New Zealand income tax rates in 2026?
For income from 1 April 2025 onward, individual tax rates are 10.5% to $15,600, 17.5% from $15,601 to $53,500, 30% from $53,501 to $78,100, 33% from $78,101 to $180,000, and 39% above $180,000.
What is the ACC earners levy for 2026–27?
For 1 April 2026 to 31 March 2027 the ACC earners levy is 1.75%, charged on earnings up to $156,641.
What is the default KiwiSaver rate in 2026?
From 1 April 2026 the default employee and matching employer KiwiSaver contribution rate is 3.5%. Employees can choose higher standard rates, while an approved temporary rate reduction can allow 3%.
How are New Zealand student loan repayments calculated?
For New Zealand-based salary and wage borrowers, repayments are generally 12% of earnings above the repayment threshold. The annual threshold is $24,128.
Is this the same as the official IRD PAYE calculator?
No. Webfit News provides a general salary and take-home estimate. Exact payroll PAYE depends on tax code, pay period and individual circumstances, so use the official IRD PAYE calculator for payroll-exact deductions.