2026/27 PAYE, ACC earner’s levy, KiwiSaver (3.5% default from 1 April 2026), IETC, and student loan. Weekly figures are annual ÷ 52.
Comes out of gross. Not tax-deductible. 3% is only if you apply for a temporary rate reduction. Default from 1 April 2026 is 3.5%.
Minimum 3.5% from 1 April 2026. ESCT is deducted before it hits your fund.
On top of the automatic 12% PAYE deduction. Interest-free while NZ-based.
Wellington 1-bed ~$500–$600. Room/flat ~$250–$350. Family board is often $150–$250.
Weekly. A $60/mo membership is about $14/wk.
2026/27 IRD defaults. Edit if rates change. Reset restores them.
Full $520 from $24,000 to $66,000. Abates 13c per $1 to zero at $70,000. Use tax code ME / ME SL to get it in your pay.
| Band | Rate | Taxed here | Tax |
|---|
| Item | Weekly | Monthly | Yearly |
|---|
Weekly = yearly ÷ 52. Monthly = yearly ÷ 12.
Estimates only, not tax advice. 2026/27: PAYE 10.5 / 17.5 / 30 / 33 / 39, ACC 1.75% capped at $156,641, student loan 12% over $24,128, KiwiSaver default 3.5%, government contribution 25c per $1 up to $260.72 if income ≤ $180k. Verify in myIR.