New Zealand · Tax guide

Salary and take-home pay calculator

2026/27 (1 April 2026–31 March 2027). Full-year New Zealand tax resident, aged 18–64, one main job paid monthly, fixed salary and one bonus paid with the normal monthly salary. Calculates annual income tax, eligible IETC, capped ACC earners’ levy, employee KiwiSaver and monthly student-loan deductions. Salary excludes employer KiwiSaver. Secondary employment, overseas income, other benefits, tailored tax codes, temporary 3% KiwiSaver rates and mid-year contribution changes are not supported.

This is an annual tax-liability estimate, not exact PAYE withholding. KiwiSaver is taken from after-tax cash without reducing taxable salary. Enter only whole months eligible for IETC: neither you nor your partner may receive Working for Families, and you must not receive an income-tested benefit, NZ Superannuation, a Veteran’s Pension or an overseas equivalent during those months. Student-loan deductions truncate monthly gross pay to whole dollars and the deduction to cents; no special rate, exemption, balance cap or refund is assumed. Employer KiwiSaver is the 3.5% minimum before ESCT, not the net amount credited to your fund. ACC employer levies, ESCT and government KiwiSaver contributions are excluded.