PAYE Calculator New Zealand
Calculate your NZ take-home pay including PAYE tax KiwiSaver ACC and student loan.
Understanding NZ PAYE Tax
New Zealand uses a progressive tax system with rates of 10.5% (up to $14000) 17.5% ($14001-$48000) 30% ($48001-$70000) 33% ($70001-$180000) and 39% (above $180000). PAYE is deducted by your employer before you receive your wages.
KiwiSaver
KiwiSaver is a voluntary retirement savings scheme. Employees can contribute 3% 4% 6% 8% or 10% of gross pay. Employers must contribute at least 3%. Contributions are deducted from your pay after tax.
ACC and Student Loans
The ACC earner levy (1.60% for 2025-26) funds accident compensation. Student loan repayments are 12% of income above the $22828 annual threshold. Both are deducted through the PAYE system.
This calculator is for informational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional for decisions specific to your situation.