Pay Calculator NZ — PAYE & Take-Home Pay After Tax 2026-27

Q: How much is $80,000 after tax in NZ?

On an $80,000 salary in the 2026-27 tax year you pay $16,278 PAYE and $1,384 ACC earners' levy, leaving $62,339 take-home pay — about $5,195 a month or $2,398 a fortnight. KiwiSaver and any student loan repayment come out on top of that.

Q: What is the ACC earners' levy?

On top of income tax, almost every earner pays the ACC earners' levy to fund injury cover — $1.67 per $100 of pay in 2025-26, rising to $1.73 in 2026-27, up to a maximum level of liable earnings. It is deducted through PAYE.

Q: How are student loan repayments calculated in NZ?

With a student loan you repay 12 cents per dollar earned over the repayment threshold of $24,128. It is deducted alongside PAYE under an SL tax code — one flat rate over the line, with no income bands.

Q: How does KiwiSaver affect my take-home pay?

You can contribute 3%, 4%, 6%, 8% or 10% of your pay, deducted after tax. Your employer must contribute at least 3%, rising to 3.5% from 1 April 2026, though employer contributions are taxed (ESCT) before reaching your fund.

Q: Who gets the Independent Earner Tax Credit?

Earners on $24,000 to $70,000 who don't receive a main benefit, Working for Families or NZ Super can claim the IETC — up to $520 a year, with the full credit up to $66,000 and tapering off to $70,000.

Q: What salary is equivalent to my contract day rate in New Zealand?

Don't multiply your day rate by 260. Under the Holidays Act an employee is paid for 4 weeks annual leave, 12 public holidays and up to 10 days sick leave, so a contractor on a five-day week bills roughly 228 days a year. The other gap is employer KiwiSaver — your own contribution comes out of after-tax pay either way, but a contractor gets no 3% employer top-up (3.5% from 1 April 2026, less ESCT). On those assumptions $800 a day is worth around a $175,600 salary, not the $208,000 the naive sum suggests.

Q: Is this NZ pay calculator free, and does it store my details?

It is completely free, with no sign-up. Every calculation runs in your own browser — nothing you type is sent to a server, and there is no tracking. The only thing that leaves your device is the link you choose to share, which carries the scenario in the URL.

Kia ora — the New Zealand pay calculator
that knows your take-home.

A free PAYE and salary calculator for New Zealand: enter an annual salary, an hourly rate or a contract day rate and see your take-home pay after tax — PAYE, the ACC earners' levy, student loan and KiwiSaver, all sorted for the 2026-27 tax year plus three earlier years if you're looking back. Straight from IRD's published rates, worked out in your browser, nothing stored.

Your details

Tax year (1 April – 31 March, this year's picked for you)

What do you know?

My gross pay Take-home I want

Your pay (before tax)

Paid

KiwiSaver (your contribution)

Student loan Still paying off the uni days Independent Earner Tax Credit Earning $24k–$70k with no benefit, WFF or NZ Super

More income options

Bonus, overtime & extras ($/yr)

This is a secondary job Taxes this pay on top of your main job's income

Compare with another offer

Other gross pay ($/yr, same settings — 0 to turn off)

On a contract rate? Convert it to a salary

Give us your day or hourly rate and we'll work out the salary that leaves you just as well off — counting the leave you don't get paid for and the employer KiwiSaver you miss out on.

Your contract rate

Per

Days per week

Employer KiwiSaver

Days you won't be billing

Annual leave (weeks)

Public holidays (days)

Sick days (days)

On the bench (weeks)

Business costs ($/yr, ACC levies etc.)

Salary on offer ($/yr — optional)

Ballpark figures only — not financial advice.

In your back pocket 2026-27

$0/year

Deductions $0

Effective rate 0%

Marginal rate 0%

KiwiSaver (boss) $0

Where your pay ends up

0% of pay
deducted

The full rundown

Component	Weekly	Fortnightly	Monthly	Annually

Contract vs permanent what your rate is really worth as a salary

Same pay, different year what you'd pocket under each year's rules

Tax rates — 2026-27

Taxable income	Marginal rate
$0 – $15,600	10.5%
$15,601 – $53,500	17.5%
$53,501 – $78,100	30%
$78,101 – $180,000	33%
$180,001 +	39%

New Zealand pay and tax questions, answered

How much is $80,000 after tax in NZ?

On an $80,000 salary in the 2026-27 tax year you pay $16,278 PAYE and $1,384 ACC earners' levy, leaving $62,339 take-home pay — about $5,195 a month or $2,398 a fortnight. KiwiSaver and any student loan repayment come out on top of that. Try $60,000, $100,000 or any other salary.

How is PAYE income tax calculated in New Zealand?

New Zealand taxes income progressively from 10.5% up to 39% over $180,000. The thresholds moved on 31 July 2024 (the first change since 2010), so the 2024-25 year uses IRD's blended "composite" rates — that's why its brackets look unusual here. From 2025-26 the clean new thresholds apply: $15,600, $53,500 and $78,100.

What is the ACC earners' levy?

On top of income tax, almost every earner pays the ACC earners' levy to fund injury cover — $1.67 per $100 of pay in 2025-26, rising to $1.73 in 2026-27, up to a maximum level of liable earnings. It comes out through PAYE, which is why your payslip deduction is a touch more than the tax tables alone suggest.

How are student loan repayments calculated in NZ?

With a student loan, you repay 12 cents per dollar earned over the repayment threshold ($24,128, unchanged since 2024). It's deducted alongside PAYE under an "SL" tax code. Unlike Australia's system there are no income bands — just one flat rate over the line.

How does KiwiSaver affect my take-home pay?

Choose to put in 3%, 4%, 6%, 8% or 10% of your pay — it comes out after tax. Your employer must chip in at least 3%, rising to 3.5% from 1 April 2026 (and 4% from 2028), though their contribution is taxed (ESCT) before it lands in your fund. The government also adds up to $260.72 a year if you contribute at least $1,042.86.

Who gets the Independent Earner Tax Credit?

Earning between $24,000 and $70,000 with no main benefit, Working for Families or NZ Super? The IETC knocks up to $520 a year off your tax — full credit to $66,000, then it tapers off. Since July 2024 far more earners qualify; tick the toggle if that's you.

How is a secondary job taxed in New Zealand?

A second job uses a secondary tax code (SB, S, SH, ST or SA) that withholds at a flat rate. This calculator does one better — it works out the true marginal tax on your second job by stacking it on top of your main job's income, so you see what you'll actually keep rather than the flat-code approximation. Student loan deductions on secondary jobs run at 12% from the first dollar.

What salary is equivalent to my contract day rate in New Zealand?

Multiplying your day rate by 260 flatters it. Under the Holidays Act an employee is paid for 4 weeks annual leave, 12 public holidays and up to 10 days sick leave — a contractor bills none of them, so a standard 5-day week is really about 228 billable days. The other half of the gap is employer KiwiSaver: your own contribution comes out of after-tax pay either way, but nobody is topping it up with the 3% employer minimum (3.5% from April 2026, less ESCT). We compare both sides on take-home pay plus everything that reaches your KiwiSaver account.

Is this NZ pay calculator free, and does it store my details?

It's completely free, with no sign-up. Every calculation runs in your own browser — nothing you type is sent to a server, and there's no tracking. The only thing that leaves your device is the link you choose to share, which carries the scenario in the URL.

What does this calculator cover?

Figures are for NZ tax residents on salary and wages with an M or ME-style tax code — the common case. Schedular payments and Working for Families aren't modelled. Rates come from IRD and ACC's published determinations for the current and recent tax years.

Kia ora — the New Zealand pay calculatorthat knows your take-home.