Free tool · 2025/26 rates

NZ Take-home Pay Calculator

Enter your gross salary and see exactly what lands in your bank. Includes PAYE, ACC, KiwiSaver, student loan, IETC, secondary tax codes, salary sacrifice, holiday pay, and overtime — with a tax bracket visualiser so you can see where every dollar goes.

Pay details
$
Advanced optionsIETC, secondary job, sacrifice…
%

Pre-tax portion of your gross redirected into KiwiSaver, reducing your PAYE base. Separate from the employee % above.

%

Enter a percentage to see what a proposed pay rise would do to your take-home.

Your take-home per year

$59,987

$59,987 per year · Effective tax rate 22.0%

Tax code

M

Breakdown

LineWeeklyMonthlyAnnual
Base gross$1,538.46$6,666.67$80,000
PAYE (income tax)-$313.03-$1,356.46-$16,278
ACC earner levy (1.67%)-$25.69-$111.33-$1,336
KiwiSaver (3%)-$46.15-$200.00-$2,400
Take home$1,153.59$4,998.88$59,987
Employer KiwiSaver (3%, informational)+$46.15+$200.00+$2,400

2025/26 rates. Figures are an estimate. Edge cases (ACC levy cumulative caps reached mid-year, tailored tax codes, some benefit interactions) aren't modelled. Always check with IRD or your accountant for payroll-grade numbers.

Where your income sits across the brackets

Each segment is sized by the income inside that bracket.

  • 10.5% $0 – $15,600$15,600($1,638 tax)
  • 17.5% $15,600 – $53,500$37,900($6,633 tax)
  • 30.0% $53,500 – $78,100$24,600($7,380 tax)
  • 33.0% $78,100 – $180,000$1,900($627 tax)
  • 39.0% $180,000+Not reached

What if you saved 10% of this?

Put aside $500/month — 10% of your take-home — and in 24 months you'd have $12,000. House deposit? Trip? Genuine rainy-day buffer?

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How this is calculated

Every number comes from Inland Revenue's published rules. Here's exactly what goes into the take-home figure.

PAYE (income tax)
Progressive rates: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, 39% above. Each dollar is taxed at the rate for the bracket it sits in — only the portion above a threshold pays the higher rate.
ACC earner levy
1.67% of earnings up to a cap of $152,790 per year. Funds ACC's accident cover for earners.
KiwiSaver
Employee contribution at your selected rate (default 3%). Your employer puts in a minimum of 3% on top — we show that separately so the total retirement saving is visible.
Student loan
12% of annual earnings above $24,128 (the repayment threshold).
Independent Earner Tax Credit (IETC)
Up to $520/year if you earn $24,000–$48,000 and aren't receiving a main benefit, NZ Super, Working for Families, or most student allowances. Full credit $24k–$44k; abates at 13c per $1 between $44k and $48k.
Secondary tax codes
Flat rates applied to secondary-job income based on your primary job's earnings: SB (10.5%, primary ≤ $15,600), S (17.5%), SH (30%), ST (33%), SA (39%). Append SL if you have a student loan.
Holiday pay
For casual and fixed-term workers paid 8% on top of gross in lieu of annual leave. Taxed like normal gross.

Frequently asked questions

What tax year do these rates use?
2025/26 rates — the progressive brackets introduced by the 2024 Budget, in effect from 31 July 2024 and continuing into the 2026/27 tax year. When Inland Revenue publishes updated rates we refresh the calculation in one place and every result reflects it.
How accurate is this vs. IRD's own numbers?
Dollar-for-dollar accurate for the scenarios most Kiwis face: standard PAYE, ACC earner levy, KiwiSaver at any rate, student loan, IETC, secondary tax codes, salary sacrifice, and holiday pay uplift. Edge cases like tailored tax codes, cumulative ACC caps mid-year, and some benefit interactions aren't modelled — for those, IRD or an accountant is the right source.
Is my data stored anywhere?
No. The calculator runs entirely in your browser. The only thing that ever touches our servers is the URL you generate if you click 'Copy share link' — and that URL contains only the numbers you entered, not who you are.
What's the Independent Earner Tax Credit (IETC)?
A tax credit of up to $520 per year for people earning between $24,000 and $48,000 who aren't receiving a main benefit, NZ Super, Working for Families tax credits, or most student allowances. Many eligible Kiwis never claim it because their tax code was never updated to ME. Tick 'Apply IETC' under Advanced options to see its impact.
When should I use a secondary tax code?
When you earn income from more than one employer. Your primary job uses M (or ME if you qualify for IETC); every other employer applies a flat rate chosen from SB / S / SH / ST / SA based on your primary job's annual income. Tick 'This is a second job' under Advanced options and enter your primary income — the calculator picks the right code.
Why doesn't my weekly net × 52 match the annual net exactly?
NZ income tax is progressive — each dollar above a threshold is taxed at the higher rate. Payroll systems use slightly different rounding for weekly / fortnightly PAYE tables, so your actual paid net can differ by a few dollars from the pure annual calculation shown here. Over a full year they converge.
Can I save my settings?
Yes — click 'Copy share link' and bookmark the URL. Every input (including advanced options and the pay-rise what-if) is encoded in the query string.
Is this financial advice?
No — this is arithmetic. For advice about KiwiSaver rate choice, salary sacrifice, student loan strategy, or anything involving your personal circumstances, talk to a financial adviser registered with the FMA.

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