Is this take-home figure exact?

No. It is an educational PAYE-style estimate of income tax, ACC earners’ levy, and optional KiwiSaver. Student loan and the independent earner tax credit are not modeled. Confirm with IRD tools and your payslip.

What does KiwiSaver do to take-home?

Employee contributions (3.5% default, or 4% / 6% / 8% / 10%) reduce net pay. Employer KiwiSaver is not deducted from take-home here.

Does this include student loan deductions?

No. Student loan repayments are not modeled yet. Check IRD student loan rates if your payslip withholds them.

Rates verified on 2026-10-24

Estimates only

New Zealand take-home pay calculator

Tax year 2026

Your result will appear here

Tax year 2026-27

How New Zealand take-home is calculated

Figures below come from the same rate files and engine as the live calculator. Educational estimates only — confirm with IRD and your pay stub.

How we count in New Zealand

National rules apply for this calculator.

Full New Zealand methodology · Bracket tables · Engine & privacy

Sources & status

Verified

Primary sources below, grouped by layer. Oldest verification on this page: 2026-10-24.

Federal

IRD tax rates for individuals — From 1 April 2025 (10.5% / 17.5% / 30% / 33% / 39% at $15,600 / $53,500 / $78,100 / $180,000; still applies 2026–27) →verified 2026-10-24
IRD ACC earners' levy 1 Apr 2026 – 31 Mar 2027: 1.75% / max earnings $156,641 →verified 2026-10-24
IRD KiwiSaver employee contribution rates — 3.5% default / 4% / 6% / 8% / 10% →verified 2026-10-24

New Zealand methodology & sources

New Zealand tax brackets (2026-27)

Income tax brackets

From	To	Rate
$0.00	$15,600.00	10.50%
$15,600.00	$53,500.00	17.50%
$53,500.00	$78,100.00	30.00%
$78,100.00	$180,000.00	33.00%
$180,000.00	and above	39.00%

Worked examples (New Zealand, annual, default assumptions)

Gross	Net	Effective
$60,000.00	$48,729.50	18.8%
$90,000.00	$68,847.50	23.5%
$120,000.00	$88,422.50	26.3%

Frequently asked questions

Is this take-home figure exact?: No. It is an educational PAYE-style estimate of income tax, ACC earners’ levy, and optional KiwiSaver. Student loan and the independent earner tax credit are not modeled. Confirm with IRD tools and your payslip.
What does KiwiSaver do to take-home?: Employee contributions (3.5% default, or 4% / 6% / 8% / 10%) reduce net pay. Employer KiwiSaver is not deducted from take-home here.
Does this include student loan deductions?: No. Student loan repayments are not modeled yet. Check IRD student loan rates if your payslip withholds them.