New Zealand · take-home pay calculator

What you actually take home

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.

Your inputs

Income
KiwiSaver

Comes out of gross pay. Not tax-deductible.

% on top

Default minimum is 3.5% from 1 April 2026. Paid on top, into your fund.

Student loan

On top of the automatic 12% deduction. Interest-free while you stay in NZ.

Weekly living costs (NZD)
/wk

Wellington 1-bed approx $500 to $600. Flat/room approx $250 to $350.

/wk
/wk
/wk
/wk
/wk

Enter weekly. A $60/mo membership is about $14/wk.

/wk
Tax settings (advanced)

These are the current NZ rates. Edit them if IRD changes anything, and the whole page recalculates. Press Reset to restore defaults.

% to
% to
% to
% to
%
% cap
% over
%/yr
Take-home / week
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Leftover / week
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Loan clear time
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Gross to take-home (annual)

Income tax, bracket by bracket

BandRateTaxed hereTax

Where it goes (per week / month / year)

ItemWeeklyMonthlyYearly

KiwiSaver going in

Plus the government contribution (up to $260.72/yr if you contribute enough and earn under $180k).

Live math audit (every step)

Shows each variable and the exact calculation feeding the result, updating as you type. Use it to confirm nothing is miswired.

Student loan payoff

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.