Free NZ PAYE Calculator — 2025-26
Don't overpay —
know your take-home in 10 seconds
Enter your pay — see PAYE, ACC levy, KiwiSaver and student loan deducted, and what lands in your account. Official IRD rates for the 2025-26 tax year, all tax codes supported.
59+
Calculators
5
Tax Brackets
2
Tax Years
Key calculators
PAYE Calculator
Most popularPAYE deducted each pay period for the 2025-26 IRD rates. All tax codes including M, ME, SB, S, ST, SH, SA.
Take-Home Pay
PAYENet pay after PAYE, ACC levy, KiwiSaver, and student loan. Annual, monthly, weekly & hourly.
Tax Refund Estimator
End of yearSee whether IRD owes you a refund (or you owe them) before the 7 July deadline. End-of-year wash-up.
Income Tax
BracketsNZ income tax by bracket with effective rate and marginal rate for 2025-26 and 2024-25.
KiwiSaver
RetirementEmployee contributions at 3%-10% and employer minimum 3%. See your total retirement savings.
ACC Levy
DeductionACC earner's levy at 1.67% on earnings up to the annual cap. Both tax years supported.
More calculators
Student Loan
12% above $24,128
Working for Families
FTC, IWTC, BSTC, PTC
GST Calculator
Add/remove 15%
Bonus Tax
Incremental method
Self-Employment
Provisional tax
Sole Trader
Business expenses + ACC
Rental Income
Interest deductibility
Bright-line Test
Property sales
FIF Tax
FDR & CV methods
Salary Converter
Annual ↔ hourly
Redundancy Tax
Lump sum payments
KiwiSaver Projector
Long-term growth
IETC
Up to $520/year
Child Support
IRD formula
Parental Leave
26 weeks PPL
Minimum Wage
2026 rates
Net Worth
Assets minus liabilities
NZ tax at a glance (2025-26)
Income Tax Rates
- up to $15,600 10.5%
- $15,601–$53,500 17.5%
- $53,501–$78,100 30%
- $78,101–$180,000 33%
- over $180,000 39%
ACC Earner's Levy
- Rate 1.67%
- Cap $152,790
- Max levy $2,551.59
KiwiSaver
- Employee 3%–10%
- Employer min. 3%
Student Loan
- Rate 12%
- Threshold $24,128
Questions Kiwis ask
Top NZ tax answers
NZ tax rates and brackets
All 2025-26 tax bands, ACC levy, student loan threshold, KiwiSaver, and GST settings in one reference page.
NZ tax code checker
Find the right PAYE code for your main or secondary job: M, ME, M SL, SB, S, SH, ST, SA, and WT.
IRD key dates and deadlines
IR3 due date, provisional-tax instalments, GST due dates, and the main tax-year deadlines to diarise.
Tax codes explained
Plain-English guide to what each NZ tax code means and when to update it with your employer.
Popular salary guides
Learn
Tax Insights
Guides on NZ income tax, KiwiSaver, GST, student loans, ACC and more.
Reference
Tax Glossary
Plain-English definitions of PAYE, ACC, IRD, GST, KiwiSaver and 30+ NZ tax terms.
2025-26 & 2024-25 Tax Years
All calculators use current IRD rates and thresholds. NZ tax year runs 1 April to 31 March.