NZ Pay Calculator 2026/27: Take-Home Pay
Estimate your 2026/27 take-home pay in New Zealand per year, month, fortnight or week after PAYE, the ACC earners' levy, KiwiSaver and student loan.
Loading the tax rules…
About the NZ Pay Calculator
The NZ Pay Calculator estimates your take-home pay in New Zealand for the 2026/27 tax year, which runs from 1 April 2026 to 31 March 2027 and which Inland Revenue calls the 2027 tax year. Enter your gross salary per year, month, 4 weeks, fortnight or week, choose your KiwiSaver contribution rate, and say whether you have a student loan or are eligible for the independent earner tax credit. The result shows net pay per year, per month and per pay period, total deductions and a breakdown where each line is labelled "New Zealand · 2026/27".
All amounts are in New Zealand dollars. To see how PAYE itself is worked out, open the PAYE Calculator NZ.
What comes off your pay
Income tax (PAYE)
Income tax is 10.5% up to 15,600, 17.5% from 15,600, 30% from 53,500, 33% from 78,100 and 39% from 180,000. These rates have applied since 1 April 2025 and cover the whole 2026/27 year.
ACC earners' levy
The ACC earners' levy is 1.75% of your pay up to the maximum liable earnings of 156,641, so it never exceeds 2,741.22 a year.
KiwiSaver
KiwiSaver takes the rate you choose from your gross pay: 3.5% by default from 1 April 2026, or 4%, 6%, 8% or 10%, or 3% with a temporary rate reduction. Choose "Not a member (0%)" if you are not in KiwiSaver. It is deducted after PAYE is worked out, so it does not lower your tax.
Student loan
With a student loan, 12% of your pay above the repayment threshold of 24,128 a year goes to the loan.
Worked example
60,000 a year, KiwiSaver 3.5%
Income tax is 8,270.50 up to 53,500 plus 6,500 × 30%, so 10,220.50. The ACC earners' levy is 1,050.00 and KiwiSaver 2,100.00. Net pay is 46,629.50 a year: 3,885.79 a month, 1,793.44 a fortnight and 896.72 a week, with total deductions of 13,370.50 (22.28%).
What the estimate leaves out
It assumes a New Zealand tax resident with one main job on tax code M (ME with the independent earner tax credit, M SL with a student loan) and no secondary income. The credit is applied only when you tick it, because it needs you not to receive Working for Families, a main benefit or NZ Super. Employer KiwiSaver contributions and employer superannuation contribution tax (ESCT) are paid by your employer and not shown. PAYE is withheld each pay from the IRD tables, so a payslip can differ by a few dollars from this annual estimate.
Sources: Inland Revenue's tax rates for individuals, ACC earners' levy rates, the 2027 payroll calculations and business rules specification, and the KiwiSaver contribution rate update, linked under the result.
Edit and reset the rates
The five tax rates, the ACC earners' levy rate, your KiwiSaver rate and, when chosen, the student loan rate and the credit's abatement rate are fields in the Tax rates panel. Thresholds, the ACC maximum and the 520 credit are read-only. Reset to 2026/27 defaults restores every rate.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Related tools
Compare take-home pay in other countries with the Net Salary Calculator, or turn an hourly rate into gross pay with the Gross Pay Calculator.
Frequently asked questions
What is take-home pay on 60,000 in New Zealand?
In 2026/27, with KiwiSaver at 3.5%, income tax is 10,220.50, the ACC earners' levy 1,050.00 and KiwiSaver 2,100.00, so take-home pay is 46,629.50 a year: 3,885.79 a month, 1,793.44 a fortnight or 896.72 a week.
What is the default KiwiSaver rate in 2026/27?
The default employee rate is 3.5% of gross pay from 1 April 2026. You can also choose 4%, 6%, 8% or 10%, or 3% with a temporary rate reduction. KiwiSaver is deducted after PAYE, so it does not lower your tax.
How much is the ACC earners' levy?
The ACC earners' levy is 1.75% of your pay from 1 April 2026 to 31 March 2027, up to the maximum liable earnings of 156,641. The most anyone pays in the year is 2,741.22.
How much is the student loan repayment?
With a student loan, 12% of your pay above the annual repayment threshold of 24,128 goes to the loan. On 60,000 that is 4,304.64 a year. Nothing is repaid at or below the threshold.
Why is there no pension field for New Zealand?
New Zealand has no pre-tax pension deduction. KiwiSaver, the retirement scheme, is taken from pay after tax, so the calculator offers a KiwiSaver rate instead of a pre-tax pension percentage.
Is this the same as my payslip?
Close, but not always to the cent. The calculator works out the annual figures, while your employer withholds PAYE for each pay period from the IRD tables. A secondary job, bonuses or a special tax code also change your payslip.