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Enter your pay — see PAYE, ACC levy, KiwiSaver and student loan deducted, and what lands in your account. Official IRD rates for the 2026-27 tax year, all tax codes supported.
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Your tax code
2026-27 IRD ratesOne code sets your whole year's PAYE. No return to file — set it once with your employer.
Take-home on $70,000 · code M · 3.5% KiwiSaver
Not on code M? Check your code · Run your own →
Key calculators
PAYE Calculator
Most popularPAYE deducted each pay period for the 2026-27 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) at the end of the tax year. End-of-year wash-up.
Income Tax
BracketsNZ income tax by bracket with effective rate and marginal rate for 2026-27 and 2025-26.
KiwiSaver
RetirementEmployee contributions at 3%-10% and employer minimum 3.5%. See your total retirement savings.
ACC Levy
DeductionACC earner's levy at 1.75% 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
Extra pay rates
Self-Employment
Provisional tax
Sole Trader
Business expenses + ACC
FIF Tax
FDR & CV methods
Salary Converter
Annual ↔ hourly
Redundancy Tax
Lump sum payments
IETC
Up to $520/year
Parental Leave
26 weeks PPL
IR330 Form
Tax code declaration
NZ Super
Eligibility & payments
NZ Super Rates
Current payment rates
GST Due Dates
Filing & payment dates
PAYE Tables
Deduction lookup
Secondary Tax
Second job rates
Fuel Cost
Trip & vehicle costs
Minimum Wage
2026 rates
NZ tax at a glance (2026-27)
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 1.75%
- Cap $156,641
- Max levy $2,741.22
KiwiSaver
- Employee 3%–10%
- Employer min. 3.5%
Student Loan
- Rate 12%
- Threshold $24,128
Questions Kiwis ask
Top NZ tax answers
NZ tax rates and brackets
All 2026-27 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.
Moving to Australia from NZ
Tax residency, KiwiSaver, student loan and NZ Super when you move across the Tasman.
IRD kilometre rates
Vehicle-expense kilometre rates, Tier 1 and Tier 2 distances, records, and actual-cost alternatives.
How to log in to myIR
Find the official IRD login, recover access, and avoid fake myIR links and refund messages.
IRD depreciation rate finder
Search diminishing-value and straight-line rates for common business and rental assets.
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.
2026-27 Tax Year
All calculators use current IRD rates and thresholds. NZ tax year runs 1 April to 31 March.