$60,000 a year
$47,150
take-home a year · 79% kept
- 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.
New Zealand tax calculator · 2026/27
Know your
take-home pay.
PAYE income tax, ACC, KiwiSaver and student loan from published IRD 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
- Income tax brackets 2026-27
- 10.5% / 17.5% / 30.0% / 33.0% / 39.0% · IRD
- ACC earners' levy 2026-27
- 1.75% to $156,641 · Legislation
- Student loan
- 12% over $24,128 · IRD
- IETC
- $520, abates from $66,000 · IRD
Checked against the official sources above by FinLab editorial on 24 July 2026.
How this New Zealand tax calculator works
This New Zealand tax calculator turns a gross salary or wage into the take-home pay that lands in your account. It applies the 2026/27 PAYE rules: 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.
Income tax is worked out band by band, not at one rate. For 2026/27 the first $15,600 is taxed at 10.5%, the next band up to $53,500 at 17.5%, and the top rate of 39% applies only above $180,000. Only the income above each threshold is taxed at the higher rate — moving into a higher band never re-taxes the income below it. That is the most common misunderstanding about the brackets, and it is why a pay rise always leaves you with more, not less. The full table is on the income tax rates page.
The ACC earners’ levy is a separate deduction that funds cover for injuries outside work. For 2026/27 it is 1.75% of earnings up to $156,641. Earnings above that cap pay no further levy, so it stops at $2,741.22 a year, which is why very high earners see their effective rate flatten slightly.
KiwiSaver comes out at the rate you choose; the default rose to 3.5% on 1 April 2026, and your employer’s matching share is paid on top. From that date the standard rates are 3.5, 4, 6, 8 and 10%; 3% is available only as a temporary rate reduction that resets to the default after 3 to 12 months. A student loan takes 12% of income over $24,128 a year, only on the amount above the threshold. The independent earner tax credit is worth up to $520 a year for incomes between $24,000 and $70,000. It is paid in full up to $66,000, then abates by 13 cents in each dollar above that until it reaches nil at $70,000.
The result is an estimate, not a payslip. It does not include Working for Families, child support, wage subsidies, salary sacrifice or one-off items your employer may deduct, and it assumes PAYE income, so it does not cover self-employment, provisional tax or GST. Employer KiwiSaver contributions have ESCT deducted and are paid on top, so they do not change your take-home. It also does not model salary sacrifice, a novated lease, or a mid-year change to your tax code. Your actual pay can differ if your employer uses a different tax code or pay cycle. Every rate here reads from the tax year shown above, and updates when the published rules change.
Worked examples
Same calculator. Two salaries.
Both use the 2026/27 rules, 3.5% KiwiSaver and no student loan — identical settings, different gross.
$80,000 a year
$59,523
take-home a year · 74% kept
- 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 guidesResults use the tax year you select and published IRD rates. They are not a payslip. How PAYE works · Methodology · Tax rates
Yes. It applies the 2026/27 income tax brackets, the ACC earners’ levy, your KiwiSaver rate and any student loan. Rates are read from published IRD and ACC sources, last checked on the date shown on the page. It estimates PAYE take-home pay — it is not a tax return and not Inland Revenue’s own calculator.
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.
The ACC earners’ levy pays for injuries that happen outside work. For 2026/27 it is 1.75% of earnings up to $156,641, so the most you pay in a year is $2,741.22. It is deducted alongside income tax through PAYE.
Your tax code tells your employer how much PAYE to deduct. Most people with one job use M, or ME if they qualify for the independent earner tax credit. A second job uses a secondary code — SB, S, SH, ST or SA — set by your total income. This calculator assumes a main job unless you switch to a second job.
Take-home pay is your gross income minus income tax on the 2026/27 brackets, the ACC earners’ levy, your KiwiSaver contribution and any student loan. Income tax is worked out band by band, not at one rate. The independent earner tax credit reduces tax for some middle incomes.
The independent earner tax credit is worth up to $520 a year for people earning between $24,000 and $70,000 who do not get Working for Families or a main benefit. It is paid in full up to $66,000, then reduces to nil at $70,000.
If you have a student loan, 12% of every dollar you earn above $24,128 a year goes to repayments. It applies only to income over that threshold, not your whole salary, and is deducted through PAYE on an SL tax code.
Your own KiwiSaver contribution comes out of your pay and lowers your take-home. The default rate rose to 3.5% on 1 April 2026. The standard rates are 3.5, 4, 6, 8 and 10%; 3% is now a temporary rate reduction that resets after 3 to 12 months. Your employer’s matching contribution is paid on top.
Your marginal rate is the tax on your next dollar — the 2026/27 band your income reaches. Your effective rate is total tax divided by gross income, which is always lower because the lower bands are taxed less. A pay rise is taxed at the marginal rate, not the effective one.
Switch income type to a second job and the calculator applies a flat secondary code — SB, S, SH, ST or SA — chosen from your total income, rather than the progressive brackets. Secondary tax is not an extra tax. It collects the right amount because your first job has already used the lower bands.