Pay rise calculator
Enter your current and new salary to see how much of the pay rise you actually keep after PAYE income tax and the ACC earners’ levy.
Extra in your pocket
$130.15a week
$6,768 more a year take-home
| Pay rise (gross) | $10,000 |
|---|---|
| Extra tax + ACC | −$3,232 |
| You actually keep | $6,768 |
You keep 67.7% of this pay rise after PAYE and ACC.
Now
$1,068/wk
After the rise
$1,199/wk
Making sense of a pay rise
The headline number on a job offer is the gross figure. What actually changes in your bank account is smaller, because the extra income is taxed at your highest marginal rate. This tool shows the real difference per week, so you can judge an offer or a raise on what you keep.
Common questions
Why don’t I keep all of my pay rise?
A pay rise is taxed at your top marginal rate, so a portion goes to PAYE income tax and the ACC earners’ levy. For many New Zealanders earning between $53,500 and $78,100, that means keeping 70 cents of each extra dollar; above $78,100 you keep about 67 cents before ACC.
Does a pay rise push all my income into a higher tax bracket?
No. New Zealand uses marginal tax rates, so only the part of your income above each threshold is taxed at the higher rate. The rest is still taxed at the lower rates. You never take home less by earning more.