Tools · 1 April 2026 – 31 March 2027
PAYE and Take Home pay calculator
Estimate what lands in your bank account from your New Zealand salary or hourly wages.
Your pay
IETC eligibility depends on your total income and circumstances, not just your wages. You cannot claim it if you or your partner receive Working for Families, or you receive an income-tested benefit, NZ Super or a Veteran’s Pension. Check eligibility with Inland Revenue ↗
Take-home pay
2026–27$1,083.50
per week, after deductions
- Annual gross income
- $75,000.00
- Annual take-home pay
- $56,342.00
- Effective tax + ACC rate
- 21.38%
Pay breakdown
| NZD | Hour | Week | Fortnight | Month | Year |
|---|---|---|---|---|---|
| Gross pay | $36.06 | $1,442.31 | $2,884.62 | $6,250.00 | $75,000.00 |
| Income tax (after IETC) | $7.08 | $283.09 | $566.17 | $1,226.71 | $14,720.50 |
| ACC earners’ levy | $0.63 | $25.24 | $50.48 | $109.38 | $1,312.50 |
| PAYE + ACC subtotal | $7.71 | $308.33 | $616.65 | $1,336.08 | $16,033.00 |
| KiwiSaver | $1.26 | $50.48 | $100.96 | $218.75 | $2,625.00 |
| Student loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Take-home pay | $27.09 | $1,083.50 | $2,167.00 | $4,695.17 | $56,342.00 |
Rates & assumptions
For regular primary-employment income, a full year of work and New Zealand tax residency. Uses 52 weeks, 26 fortnights and 12 months per year. Hourly pay uses your hours per week. Amounts are in NZD.
- Income tax: 10.5% up to $15,600; 17.5% to $53,500; 30% to $78,100; 33% to $180,000; 39% above $180,000. Each rate applies only to the portion within that band.
- ACC: 1.75% of earnings up to $156,641 (maximum $2,741.22 per year).
- Student loan: 12% of annualised income above $24,128, if selected.
- KiwiSaver: employee deductions from gross pay, with a 3.5% default from April 2026. Employer contributions and ESCT are not included in take-home pay.
- IETC: optional, assuming eligibility for the full year. Up to $520 for income from $24,000 to $66,000, reducing by 13 cents per dollar above $66,000 to zero at $70,000.
An annualised estimate, not an exact payslip or tax-code recommendation. Pay-period rounding, irregular earnings, secondary income, bonuses, special tax codes and other deductions can change your actual pay. Not financial advice.