NZ Take-Home Pay Calculator
See exactly what you take home after PAYE tax, ACC, KiwiSaver, and student loan deductions — annual, monthly, weekly, and hourly.
What comes out of your pay (2026-27)
| Deduction | Rate | Applies to |
|---|---|---|
| PAYE income tax | 10.5%–39% | All taxable income, progressive brackets |
| ACC earner's levy | 1.75% | Earnings up to $156,641 |
| Student loan | 12% | Income above $24,128 (SL codes) |
| KiwiSaver | 3%–10% | Gross pay, if enrolled |
Worked example: $70,000 salary, M tax code, 3% KiwiSaver
- PAYE income tax (progressive 2026-27): about $13,690.
- ACC earner's levy: $70,000 × 1.75% = $1,225.00.
- KiwiSaver (3%): $2,100.
- No student loan deduction unless your code ends in SL.
- Use the calculator above for your exact figure — these are indicative.
Frequently asked questions
What deductions come out of my NZ pay?
Most NZ employees have the following deducted: PAYE income tax, ACC earner's levy (1.67%), KiwiSaver contributions (if enrolled), and student loan repayments (if applicable).
What is a standard NZ work week?
The standard NZ work week is 40 hours (8 hours × 5 days). This calculator uses 40 hours/week and 52 weeks/year (2,080 hours/year) by default, but you can adjust hours per week.
Is KiwiSaver deducted from take-home pay?
Yes. KiwiSaver employee contributions (3%, 4%, 6%, 8%, or 10%) are deducted from your gross pay. Your employer also contributes a minimum of 3%, but this doesn't reduce your take-home pay. See IRD KiwiSaver rates.
Does the student loan repayment reduce my take-home pay?
Yes. Student loan repayments of 12% on income above $24,128/year are automatically deducted by your employer through the PAYE system. See IRD student loan thresholds.
Sources
Last updated June 2026. Reflects 2025-26 and 2026-27 PAYE, ACC and student loan settings. Rates sourced from IRD.
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Last updated June 2026. Reflects 2025-26 and 2026-27 PAYE, ACC and student loan settings. Rates sourced from IRD.
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