Take-home pay calculator for New Zealand
Pay after tax for the 2026-27 tax year, with the ACC earners' levy, KiwiSaver and a student loan. Each result shows its source and the date it was checked. Nothing you type leaves your browser.
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2026-27 key rates at a glance
| NZ$0 to NZ$15,600 | 10.5% |
| NZ$15,601 to NZ$53,500 | 17.5% |
| NZ$53,501 to NZ$78,100 | 30% |
| NZ$78,101 to NZ$180,000 | 33% |
| Over NZ$180,000 | 39% |
| ACC earners' levy | 1.75% up to NZ$156,641 |
| KiwiSaver (employee default and minimum) | 3.5% |
| KiwiSaver (employer minimum) | 3.5% |
| Student loan repayment | 12% over NZ$24,128 |
| Independent earner tax credit | NZ$520 a year |
The KiwiSaver minimum rose from 3% to 3.5% from the first pay date on or after 1 April 2026. Every value, its source and the date it was checked is on Sources and rates.