Guides

How the figures in the calculator are worked out, with examples. Each guide lists the IRD pages it relies on.

• Take-home pay on NZ$60,000, NZ$80,000 and NZ$100,000 (2026-27)What NZ$60,000, NZ$80,000 and NZ$100,000 leave after PAYE and the ACC levy in 2026-27, with KiwiSaver, a student loan and the IETC worked out step by step.
• KiwiSaver contribution rates and your take-home pay (2026-27)KiwiSaver at 3.5%, 4%, 6%, 8% and 10% in 2026-27: the yearly and fortnightly cost at NZ$60,000, NZ$80,000 and NZ$100,000, and the employer side with ESCT.

The guides are general information. Rates as at 2 November 2026.