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.
These are the current NZ rates. Edit them if IRD changes anything, and the whole page recalculates. Press Reset to restore defaults.
| 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).
Shows each variable and the exact calculation feeding the result, updating as you type. Use it to confirm nothing is miswired.
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.