Take-Home Pay Calculator NZ 2026–27
Estimate annual and periodic take-home cash after income tax, ACC, KiwiSaver and student loan.
Source check 10 October 2026 · General information, not tax advice
Calculate your result
Tax year 2026–27 · New Zealand dollars · results update automatically
Results update automatically
Take-Home Pay Calculator
- Annual salary
- $100,000.00
- Income tax
- $22,877.50
- ACC earners' levy
- $1,750.00
- Employee KiwiSaver
- $3,500.00
- Student loan
- $0.00
- IETC credit
- $0.00
- Annual take-home pay
- $71,872.50
- Monthly average
- $5,989.38
- Fortnightly average
- $2,764.33
- Weekly average
- $1,382.16
- Actual PAYE can differ by tax code, pay frequency and payroll rounding.
- Annual cash-flow estimate, not exact pay-period PAYE.
- ACC is subtracted once and employer KiwiSaver is excluded from cash take-home.
2026–27 individual income tax brackets
New Zealand has no general tax-free threshold. Each rate applies only to the income slice in that band.
| Taxable income | Marginal rate |
|---|---|
| $0 – $15,600 | 10.5% |
| $15,600 – $53,500 | 17.5% |
| $53,500 – $78,100 | 30% |
| $78,100 – $180,000 | 33% |
| Over $180,000 | 39% |
How this calculator works
Estimate annual and periodic take-home cash after income tax, ACC, KiwiSaver and student loan.
Formula
Take-home = salary − income tax − ACC − employee KiwiSaver − student loan − other deductions.
Worked example
A clear indicative label distinguishes annual cash flow from exact payroll PAYE.
Scope and edge cases
Eligibility, tax codes, certificates, multiple income sources and annual reconciliation can change the final outcome. Missing components are disclosed instead of silently becoming zero.
Frequently asked questions
Is this take-home pay calculator exact?
The result card says whether the calculation is exact for its supported scope, indicative, missing inputs or unsupported. It never promotes an incomplete rule set as exact.
Does Taxliva store my salary?
No account is required and the interactive calculation runs in your browser.
Which tax year is used?
It uses the New Zealand tax year from 1 April 2026 to 31 March 2027.
Official sources
- Tax rates for individuals — Inland Revenue
- ACC earners' levy rates — Inland Revenue
- KiwiSaver changes from 1 April 2026 — Inland Revenue
- Student loan repayments from salary or wages — Inland Revenue
- Independent earner tax credit — Inland Revenue
Rule review
Related calculators
Continue with another pay & tax tool.
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.
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.