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New Zealand·Calculators·Take-home pay

PAYE take-home pay calculator

Your take-home pay is what's left after income tax and the ACC earners' levy at 1.75% up to $156,641. KiwiSaver contributions at 3.5%, 4%, 6%, 8%, 10% or 3% (temporary reduction) are deducted separately. Enter your salary to calculate.

Your numbers
$NZD / year
Average fortnightly take-home:
$3,239
$84,223 a year, $7,019 a month
PAYE income tax−$29,478
ACC earners' levy−$2,100
KiwiSaver 3.5%−$4,200
Student loan—
Effective tax rate26.3%
Annual estimate divided into pay-period averages; actual payroll deductions differ. Assumes an M tax code, no secondary income and no Working for Families entitlement. KiwiSaver employer contributions are not shown.
Source: Inland Revenue · 2026–27 rates · Checked Oct 2026 · Valid through 2027-03-31 (NZ time)Using New Zealand 2026–27 rates
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Carries $3,239 a fortnight

How it works

New Zealand taxes income in bands. The first slice of your income is taxed at the lowest rate, the next slice at a higher one, and so on. Moving into a higher bracket only changes the tax on the income above that threshold, never on what you already earned.

On top of income tax, every earner pays the ACC earners' levy, capped above a set income. KiwiSaver and student loan repayments come out of the same pay cycle, which is why your take-home looks lower than a simple tax calculation suggests.

The brackets

These are the progressive annual rates for the 2026–27 tax year.

10.5% → 17.5% → 30% → 33% → 39%
1$0 – $15,600 at 10.5%
2$15,600 – $53,500 at 17.5%
3$53,500 – $78,100 at 30%
4$78,100 – $180,000 at 33%
5Above $180,000 at 39%

A worked example

On a $120,000 salary with 3.5% KiwiSaver and no student loan, the deductions stack up like this. Amounts are rounded to cents.

Gross salary$120,000.00
PAYE income tax−$29,477.50
ACC earners' levy−$2,100.00
KiwiSaver−$4,200.00
Take-home$84,222.50

Common questions

The rules behind this calculator

Written up, with the page each rule came from.
2 min read
What the ACC earners' levy pays for
It is on every payslip, it is not income tax, and it stops being charged above a set income. Here is what it is and why it is separate.
3 min read
NZ income tax rates and what they mean in practice
Five bands, one progressive rate, and the secondary codes that decide whether a second job costs more at year end.

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