New Zealand calculators — 2026–27NZ Tax & Financial Calculators
Calculate New Zealand income tax, ACC, KiwiSaver, student-loan deductions and GST with explicit scope and official IRD sources.
Annual estimate with income tax, ACC and 3.5% employee KiwiSaver. Not exact PAYE.
Popular New Zealand calculators
Start with the result you need.
New Zealand Income Tax Calculator
Calculate annual individual income tax with the 2026–27 marginal brackets.
Take-Home Pay Calculator
Estimate annual and periodic take-home cash after income tax, ACC, KiwiSaver and student loan.
ACC Earners' Levy Calculator
Calculate the 1.75% annual earners levy on eligible earnings up to the statutory cap.
KiwiSaver Calculator
Separate employee contributions, employer contributions and ESCT from take-home cash.
Student Loan Repayment Calculator
Calculate main or secondary employment student-loan deductions by pay frequency.
GST Calculator
Add or remove New Zealand 15% GST and distinguish taxable, zero-rated and exempt supplies.
All New Zealand tools
Pay & tax
Income tax, annual take-home, ACC and pay conversion.
New Zealand Income Tax Calculator
Calculate annual individual income tax with the 2026–27 marginal brackets.
PAYE Calculator
Calculate 2026–27 PAYE by tax code and pay period using IRD payroll formulas and truncation rules.
Take-Home Pay Calculator
Estimate annual and periodic take-home cash after income tax, ACC, KiwiSaver and student loan.
Salary Calculator
Convert a New Zealand annual salary into indicative after-tax pay periods.
ACC Earners' Levy Calculator
Calculate the 1.75% annual earners levy on eligible earnings up to the statutory cap.
Annual to Hourly Calculator
Convert annual salary and hourly pay with editable working-time assumptions.
KiwiSaver & loans
Employee and employer KiwiSaver, ESCT and student loans.
KiwiSaver Calculator
Separate employee contributions, employer contributions and ESCT from take-home cash.
Employer KiwiSaver & ESCT Calculator
Select the ESCT rate from prior-year or valid estimated threshold income.
Student Loan Repayment Calculator
Calculate main or secondary employment student-loan deductions by pay frequency.
Business
GST, sole trader, company and provisional-tax scope.
GST Calculator
Add or remove New Zealand 15% GST and distinguish taxable, zero-rated and exempt supplies.
GST Registration Calculator
Check the general $60,000 turnover test while preserving special-case warnings.
Sole Trader Tax Calculator
Estimate tax on net business profit while keeping ACC, GST and provisional tax separate.
Company Tax Calculator
Estimate 28% tax for an ordinary New Zealand resident company.
Provisional Tax Calculator
Calculate standard, estimation or ratio-method provisional tax and instalments.
Families
IETC and guarded Working for Families guidance.
Property & investment
RWT plus carefully gated property-tax tools.
Bright-Line Property Tax Calculator
Estimate a potential taxable residential property gain under the two-year bright-line test.
Rental Property Tax Calculator
Estimate net rental income, ring-fenced deductions and their income-tax effect.
Interest Tax Calculator
Calculate RWT and net interest using a user-confirmed resident withholding rate.
Term Deposit Tax Calculator
Estimate RWT and net term-deposit interest at a selected rate.
PIE Tax & PIR Calculator
Select a resident individual PIR from the previous two income years and calculate PIE tax.
New Zealand 2026–27 at a glance
| Rule | 2026–27 anchor |
|---|---|
| Individual income tax | 10.5% to 39% marginal rates |
| ACC earners' levy | 1.75%, capped at $2,741.22 |
| Default KiwiSaver | 3.5% employee and employer minimum |
| Student loan | 12% above the applicable main-job threshold |
| GST | 15% |
Official sources
- Tax rates for individuals
- Payroll calculations and business rules
- Payroll calculations and business rules specification 2026–27 v1.01
- IR340 PAYE deduction tables April 2026
- IR341 Four-weekly and monthly PAYE deduction tables April 2026
- ACC earners' levy rates
- KiwiSaver changes from 1 April 2026
- Employer superannuation contribution tax
Rule review
New Zealand · 2026–27 · NZ-2026-27-v1
Last reviewed 10 October 2026. Complex and incomplete rule sets stay visibly gated.
General estimates only—not personalised tax, legal or financial advice.