A full NZ pay breakdown: PAYE income tax, ACC earner's levy, KiwiSaver, and student loan. Works for any salary. Adjust anything on the left and every figure updates instantly.
Comes out of gross pay. Not tax-deductible.
Default minimum is 3.5% from 1 April 2026. Paid on top, into your fund.
On top of the automatic 12% deduction. Interest-free while you stay in NZ.
Wellington 1-bed approx $500 to $600. Flat/room approx $250 to $350.
Enter weekly. A $60/mo membership is about $14/wk.
| Band | Rate | Taxed here | Tax |
|---|
| Item | Weekly | Monthly | Yearly |
|---|
Plus the government contribution (up to $260.72/yr if you contribute enough and earn under $180k).
Estimates only, not tax advice. Uses 2026/27 IRD rates: PAYE (10.5 / 17.5 / 30 / 33 / 39 percent),
ACC earner's levy 1.75% (capped), student loan 12% over $24,128. Verify in myIR.