NZ PAYE Calculator
See exactly what lands in your bank account after PAYE tax, ACC, KiwiSaver and student loan deductions. Updated for the 2026/27 tax year.
Your results
Your estimated take-home pay
$1,027.97a week
$53,455 a year · effective tax rate 20.6%
| Gross pay | $1,346.15 |
|---|---|
| PAYE income tax | −$254.24 |
| ACC earners’ levy | −$23.55 |
| KiwiSaver | −$40.38 |
| Take-home pay | $1,027.97 |
Take-home across pay cycles
weekly
$1,028
fortnightly
$2,056
monthly
$4,455
annual
$53,455
Estimate for the 2026/27 tax year. Your actual pay may vary with your tax code and rounding.
How take-home pay works
Your gross pay is your salary or wage before anything is taken out. From it, your employer deducts:
- PAYE income tax — calculated using New Zealand’s progressive tax bands.
- ACC earners’ levy — 1.75% of your income (up to a cap), which funds cover for injuries.
- KiwiSaver — your chosen contribution rate, if you are enrolled.
- Student loan — 12% of income over $24,128 a year, if you have a loan.
What remains is your take-home pay. The calculator above shows it per week, fortnight, month and year, with a full breakdown of every deduction.
Read more about how we calculate this or see the 2026/27 NZ tax rates in full.
Popular salary pages
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More calculators
Salary after taxAnnual salary broken into weekly, fortnightly and monthly take-home.Hourly rate calculatorTurn an hourly wage into your real take-home pay.KiwiSaver calculatorCompare 3%, 4%, 6%, 8% and 10% and see the effect on your pay.Student loan calculatorSee how much your student loan takes from each pay.Pay rise calculatorFind out how much of a pay rise you actually keep.NZ tax rates 2026/27Every income tax band, ACC, KiwiSaver and student loan figure.
PAYE calculator — common questions
How is my take-home pay calculated in New Zealand?
We start with your gross pay, then subtract PAYE income tax and the ACC earners’ levy (1.75% in 2026/27, up to an income cap). If you contribute to KiwiSaver or repay a student loan, those come out too. What’s left is your take-home pay — the amount that lands in your bank account.
What are the NZ income tax rates for 2026/27?
10.5% on income up 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. These are marginal rates — each rate applies only to the income within that band.
Is the ACC earners’ levy included?
Yes. The ACC earners’ levy is 1.75% of your income for the 2026/27 year, charged on earnings up to $156,641 (a maximum levy of $2,741.22). It’s deducted alongside your PAYE, so we include it in every result.
How much KiwiSaver comes out of my pay?
Your KiwiSaver contribution is a percentage of your gross pay. From 1 April 2026 the default minimum rate is 3.5%, and you can choose 3% (temporary reduction), 4%, 6%, 8% or 10%. Your employer also contributes at least 3.5% on top.
Are these figures exact?
They’re a close estimate built from Inland Revenue’s published 2026/27 PAYE rules, including IRD’s rounding method. Your actual pay can differ slightly depending on your tax code, pay-period rounding by your employer, and any other deductions. For official figures, use IRD’s calculator.