New Zealand Salary CalculatorHow this salary calculator works
Enter your pay, choose the period and review your tax profile. The result estimates annual deductions first, then divides net pay into equivalent pay periods. It is not a payslip or a tax return.
Tax year and assumptions
2026/27 (1 April 2026–31 March 2027)
- New Zealand resident employee, one main job and salary income only for the full tax year. Enter salary excluding employer KiwiSaver contributions. No secondary-income tax code, Working for Families, other benefits or overseas income.
- Annual tax liability uses the brackets effective from April 2025 and the 2026/27 ACC earners levy of 1.75% up to NZ$156,641. Actual payroll applies its own pay-period rounding.
- KiwiSaver deductions reduce take-home cash, not taxable income. The default rate is 3.5% from April 2026; choose 0 if not contributing, or 3% only for an approved temporary reduction. Employer contributions and ESCT are outside the cash result.
- Select the independent earner tax credit only if eligible for every month. You and your partner must not receive Working for Families, and you must not receive an income-tested benefit, NZ Superannuation, a Veteran’s Pension or an overseas equivalent. Partial-year eligibility is not modelled.
- Student loan deduction is 12% above the NZ$24,128 annual threshold for a main job. It assumes sufficient outstanding debt and does not model remaining-balance caps, repayment exemptions or secondary jobs.
Sources and rule dates
- Inland Revenue: Individual income tax rates
- Inland Revenue: 2026/27 ACC earners levy and maximum earnings
- Inland Revenue: Independent earner tax credit eligibility and taper
- Inland Revenue: KiwiSaver changes from 1 April 2026
- Inland Revenue: Employee KiwiSaver rates
- New Zealand Government: Student loan repayment thresholds effective 1 April 2026
Why can payroll differ?
Tax codes, family circumstances, credits, other income, employer benefits, contribution limits and rounding can change actual pay. Check the stated profile and official sources before using the estimate.
Your data stays with you
Calculations run on your device. Comparison entries exist only in this tab and disappear when you reload. No salary is sent to a tax API.