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FinLab

NZ PAYE calculator · 2026/27

Know your
take-home pay.

Estimates from published IRD income tax and ACC rates.
Built for New Zealand.

Rates current as at 24 July 2026 for the 2026/27 tax year.

$

Before tax and deductions.

Paid per
KiwiSaver (employee)

3% is a temporary rate reduction — available for 3 to 12 months, then your rate resets to the 3.5% default.

Student loan

12% of income over $24,128 a year.

Tax year
Income type
Independent earner tax credit

Up to $520 a year on income between $24,000 and $70,000. Not available alongside Working for Families or main benefits.

Employer KiwiSaver rate

Paid on top of your salary. ESCT is deducted before it reaches your fund.

$

Optional — added to your annual gross for the calculation.

Compare mode

Take-home per year

$59,523

from $80,000 gross · 74.4% kept

Show per
74.4%of every dollar you earn stays yours.
$2,800your employer adds to KiwiSaver, every year.

A pay rise is taxed at your top rate of 33.0%, not your average — so each extra $100 of salary is about $67 in your hand.

Where $80,000 goes in a year

Take-home
$59,52374.4%
Income tax
$16,27820.3%
ACC levy
$1,4001.8%
KiwiSaver (3.5%)
$2,8003.5%
Income tax
− $16,278
ACC earners' levy
− $1,400
KiwiSaver (3.5%)
− $2,800
Take-home a year
$59,523
Marginal rate33.0%Tax on your next dollar.
Effective rate25.6%Across all your income.

How each bracket is taxed

  • $0 – $15,60010.50%$1,638
  • $15,600 – $53,50017.50%$6,633
  • $53,500 – $78,10030.00%$7,380
  • $78,100 – $180,00033.00%your band$627

Take-home per year at nearby salaries

$70,000$53,105
$75,000$56,342
$80,000$59,523
$85,000$62,610
$90,000$65,698

Next

First-home deposit

You and your employer put $5,600 a year into KiwiSaver — the planner starts from that and $80,000 of income.

Open deposit planner

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How this take-home pay calculator works

This calculator turns a gross salary or wage into the take-home pay that lands in your account. It applies the 2026/27 rules that come out of your pay through PAYE: income tax, the ACC earners’ levy, your KiwiSaver contribution and any student loan. Enter a figure and it shows the result for a year, month, fortnight, week or hour.

Worked examples

Same calculator. Two salaries.

Both use the 2026/27 rules, 3.5% KiwiSaver and no student loan — identical settings, different gross.

$60,000 a year

$47,150

take-home a year · 79% kept

Where the money goes

Take-home $47,150, Income tax $9,701, ACC levy $1,050, KiwiSaver $2,100
Income tax
− $9,701
ACC earners' levy
− $1,050
KiwiSaver, your 3.5%
− $2,100

IETC applies in full — $520 already in the tax figure.

$80,000 a year

$59,523

take-home a year · 74% kept

Where the money goes

Take-home $59,523, Income tax $16,278, ACC levy $1,400, KiwiSaver $2,800
Income tax
− $16,278
ACC earners' levy
− $1,400
KiwiSaver, your 3.5%
− $2,800

IETC is nil above $70,000 — more income taxed at 30%.

FAQ

Common questions

Short answers on how each figure is worked out — the brackets, the levies and the thresholds behind your result.

Want the full detail?

Every figure traces to a published rate. The guides walk through how each one is applied, and the methodology explains how we check them.

Read the guides

Results use the tax year you select and published IRD rates. They are not a payslip. How PAYE works · Methodology · Tax rates

On an $80,000 salary in the 2026/27 tax year, income tax is $16,278. After the ACC earners’ levy and a 3.5% KiwiSaver contribution, take-home pay is about $59,523 a year. Your figure changes with your KiwiSaver rate, student loan and tax code.