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Your pay.
A clearer picture.

Estimate your New Zealand take-home pay, with tax, KiwiSaver and student loan deductions in one place.

Free to use · No account needed · 1 Apr 2026 to 31 Mar 2027

What do you earn?

Before-tax income (NZD) Income frequency

Hours per week KiwiSaver deduction

I have a student loan This is secondary income I qualify for the Independent Earner Tax Credit

IETC is optional. Income alone does not establish eligibility. Check IRD eligibility ↗

Adjust hours & earnings

Pro-rate a full-time salary Full-time hours per weekFor salary inputs only. Enter your actual hours above.

Overtime hours / weekOvertime rate multiplier

Pay rise (%) Add 8% pay-as-you-go holiday pay

Only for eligible work arrangements where it is agreed and separately identified. Casual status alone is not enough. Read the rules ↗

Employer KiwiSaver & package

Gross employer contribution (%) My pay includes employer KiwiSaver

Models a total-remuneration package. The gross employer contribution is excluded from taxable salary. Employer contributions are shown before ESCT, which is not calculated here.

Donations & other deductions

Enter weekly amounts. These are converted to each pay frequency.

Child support / week (NZD) Court attachment order / week (NZD) Minimum protected earnings in order / week (NZD)Leave at zero unless the order specifies a minimum amount. Other deductions / week (NZD) Payroll giving / week (NZD)For approved donations through an employer payroll-giving scheme. The credit is limited to income tax.

Your figures stay in this page. We do not save them or send them to a server.

Estimated take-home pay

Calculating…

Gross pay
Total deductions
Estimated tax code

Your pay, broken down

Estimated regular pay in NZD
Pay item	Week	Fortnight	Month	Year

PAYE includes income tax and ACC. Income tax shown is after any selected IETC and payroll-giving credit. Employer KiwiSaver is additional to take-home pay.

Enable JavaScript to use this calculator. You can also use the official IRD calculator.

Know what goes into your estimate.

Regular pay, annualised

We use 52 weeks, 26 fortnights, 13 four-week periods or 12 months per year. Salary and hours are assumed to stay the same all year. The table estimates each pay frequency separately, so rounding can differ.

2026/27 tax settings

Progressive income tax rates range from 10.5% to 39%. Primary-income ACC is 1.75%, capped at $2,741.22 on $156,641 of earnings. Primary PAYE follows IRD whole-dollar annualisation and weekly cent truncation.

Loans & tax credits

Standard student-loan deductions are 12% above the primary-income pay-period threshold. Secondary income has no loan threshold. IETC is opt-in and assumes full-year eligibility. Payroll-giving credits use IRD’s 0.333333 factor.

Special situations

This is a planning estimate for regular salary or wages, not a payroll return. Bonuses, final pay, schedular payments, tailored codes, loan exemptions, irregular pay and ESCT need separate treatment. Secondary ACC withholding follows the selected code; IRD may reconcile excess levies across jobs.

Rules checked 10 October 2026. Confirm your tax code and individual circumstances with IRD.

IRD payroll calculation specification (2026/27) ↗KiwiSaver contribution rates ↗Student-loan deductions ↗

Your pay.A clearer picture.