How does KiwiSaver work in this calculation?

Your KiwiSaver contribution is deducted from your pre-tax salary. However, unlike some pension schemes, it does not reduce your overall taxable income for PAYE purposes. The calculator deducts your contribution from your net pay after tax and the ACC levy have been calculated.

What is the ACC Earner's Levy?

The ACC Earner's Levy is a compulsory charge on your income that funds ACC's no-fault personal injury cover. For the 2025-26 tax year, it's charged at a rate of 1.60% on income up to $142,283. This calculator includes it in the 'Social Charges' deduction.

How are student loan repayments calculated in NZ?

If you have a New Zealand student loan and earn over the annual repayment threshold, you will have repayments deducted from your pay. The repayment rate is currently 12% on every dollar you earn over the threshold.

Ultimate Salary Calculator

New Zealand Salary After Tax Calculator

Get a comprehensive breakdown of your salary, including pensions, bonuses, and more.

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New Zealand Income Tax at a Glance

Here are the income tax rates and bands for the 2025-2026 tax year.

$0 - $15,600

10.5%

$15,601 - $53,500

17.5%

$53,501 - $78,100

30%

$78,101 - $180,000

33%

$180,001 - and over

39%

Note: These rates do not include the ACC Earner's Levy of 1.67%. There is no tax-free personal allowance in New Zealand.

For official information, please refer to the official IRD website.

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Understanding the Calculator

The values in this calculator can be adjusted to get the most accurate picture of your earnings.

Gross Annual Salary ($)

This is your total yearly salary before any deductions are made. Don't include your bonus here – there's a separate field for that.

Bonus / Commission ($)

If you receive any one-off payments on top of your regular salary, like an annual bonus, enter the total amount here. This is added to your salary for tax and ACC levy calculations.

KiwiSaver Contribution

Select your contribution rate to your KiwiSaver retirement savings scheme. The deduction is made from your after-tax pay. Note that this calculator does not include the employer contribution or government contribution.

NZ Student Loan

If you have a student loan from StudyLink, enable this switch. Repayments are calculated as 12% of every dollar you earn over the annual repayment threshold.

Understanding Your Deductions

The New Zealand PAYE (Pay As You Earn) system has several main components deducted from your salary:

Income Tax: Calculated using progressive tax brackets. Unlike the UK or Australia, there is no tax-free allowance; you pay tax from the first dollar you earn.
ACC Earner's Levy: A compulsory levy on your income that funds New Zealand's no-fault accident insurance scheme. It is charged at a flat rate on your income up to a certain cap.