NZ PAYE Calculator: Take-Home Pay
Free New Zealand PAYE calculator for 2026–27: income tax, ACC levy, KiwiSaver, student loan and the IETC, weekly, fortnightly or monthly, as in the IRD tables.
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What it does
In New Zealand the employer deducts PAYE from every pay: income tax at rates from 10.5% to 39% on the annual income, plus the ACC earners' levy that funds accident cover. KiwiSaver members also pay a share of their gross pay into their retirement savings, and borrowers repay 12% of what they earn above the student loan threshold. This calculator follows the method of the IRD PAYE tables for 2026–27 and shows the take-home pay per pay period and per year.
How to use it
- Type your gross pay and choose whether it is per year, month, fortnight or week.
- Choose how often you are paid, your KiwiSaver rate and, if they apply, the student loan and the IETC.
- See the income tax, ACC levy, KiwiSaver, student loan and the take-home pay.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much is $70,000 after tax in New Zealand?
Paid fortnightly, $70,000 is $2,692 a fortnight. PAYE, including the ACC levy, is about $555, and KiwiSaver at 3.5% about $94, leaving about $2,042 a fortnight, or about $53,100 a year.
What changed in KiwiSaver in 2026?
From 1 April 2026 the default employee and employer contribution rose from 3% to 3.5% of gross pay, and it will rise to 4% from 1 April 2028. You can still choose 4%, 6%, 8% or 10%. KiwiSaver comes out of your pay after tax, so it does not lower your PAYE.
What is the ACC earners' levy?
It pays for ACC cover of injuries outside work. In 2026–27 it is 1.75% of earnings up to $156,641 a year, at most $2,741.22, and it is included in PAYE.
Who gets the independent earner tax credit?
NZ tax residents earning from $24,000 to $70,000 a year who do not receive Working for Families, a benefit or NZ Super. It is $520 a year, $10 a week, and falls by 13 cents per dollar above $66,000. You claim it with the tax code ME.
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๐ผ Salary Calculator
Inland Revenue — Tax rates for individuals
Inland Revenue — ACC earners' levy rates
Inland Revenue — KiwiSaver employee contributions