PAYE & Take-Home Calculator

Work out what actually lands in your bank account after PAYE, ACC, KiwiSaver and student loan.

Gross pay

$

KiwiSaver rate

I have a student loan Deducts 12% on income over $24,128

I'm eligible for the Independent Earner Tax Credit You qualify if you earn $24,000–$70,000 and don't receive Working for Families, a main benefit, or NZ Super.

Please enter a valid income amount.

Take-home pay

Breakdown

PAYE brackets are 10.5% / 17.5% / 30% / 33% / 39%. ACC earner levy is 1.75% capped at $156,641 of earnings. Student loan repayments are 12% on income over $24,128. The IETC is up to $520, abating at 13 cents per dollar once income exceeds $66,000. Tax year runs 1 April 2026 to 31 March 2027.
This calculator assumes a standard main tax code and PAYE-only income — anything more complex, we can help with.

Tax situation more complex than a payslip?

If you have rental income, a side business, or anything beyond PAYE, we'll make sure your tax return is right.

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