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.
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
Rates sourced from Inland Revenue (IRD). Correct for 2024-25 and 2025-26 tax years.
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Last updated March 2026. Rates sourced from IRD.