PAYE calculator
Your take-home pay after tax, ACC, KiwiSaver and student loan. 2026–27 rates.
Uses IRD's 2026–27 tax rates, ACC levy and KiwiSaver rates, checked 8 November 2026. Runs in your browser — nothing you type is sent anywhere. Sources: IRD tax rates, IRD ACC earners' levy, business.govt.nz KiwiSaver changes.
2026–27 rates used
| Income | Tax rate |
|---|---|
| Up to $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30% |
| $78,101 – $180,000 | 33% |
| Over $180,000 | 39% |
Plus the ACC earners' levy of 1.75% on earnings up to $156,641, and student loan repayments of 12% on earnings over $24,128.
This assumes it's your main job, paid regularly for the full year. For a second job, find your secondary tax code — it's taxed at a flat rate instead.
Take-home pay examples, 2026–27
Yearly salary, main job, 3.5% KiwiSaver, no student loan. Amounts are rounded to the nearest dollar.
| Salary | Income tax | ACC levy | KiwiSaver | Take-home a year | Take-home a fortnight |
|---|---|---|---|---|---|
| $40,000 | $5,908 | $700 | $1,400 | $31,992 | $1,230 |
| $65,000 | $11,721 | $1,138 | $2,275 | $49,867 | $1,918 |
| $90,000 | $19,578 | $1,575 | $3,150 | $65,698 | $2,527 |
| $120,000 | $29,478 | $2,100 | $4,200 | $84,223 | $3,239 |
Common questions
How is PAYE worked out in New Zealand?
Your employer takes income tax at the rates for each band of your income (10.5% up to $15,600, then 17.5%, 30%, 33% and 39%), plus the ACC earners' levy, and any KiwiSaver and student loan deductions.
What is the ACC earners' levy for 2026–27?
1.75% of your earnings, up to a maximum of $156,641 a year, so no more than $2,741.22.
How much does a student loan take from my pay?
12% of what you earn over $24,128 a year ($464 a week) from your main job.
Why is my payslip a few dollars different?
Payroll works PAYE out on each pay using IRD's tables and rounding, and things like bonuses, allowances or a different tax code change it. This calculator works on a full year of regular pay.