PAYE calculator NZ
Your take-home pay after PAYE, ACC, KiwiSaver and student loan, for 2026/27. Every tax code, every pay period.
How PAYE works
Each rate only applies to its own step.
New Zealand income tax is progressive. The first $15,600 of the year is taxed at 10.5%, the next slice at 17.5%, and so on. Moving into a higher bracket never makes your whole income taxed at the higher rate, only the dollars inside that step.
Your employer works this out each payday by treating your pay as if you earned it all year, taxing that year, then dividing it back down to the pay period.
Rates for 2026/27
New Zealand income tax rates
From 1 April 2026 to 31 March 2027. These brackets have applied since 31 July 2024.
| Income band each year | Tax rate | Tax on a full band |
|---|---|---|
| $0 to $15,600 | 10.5% | $1,638 |
| $15,601 to $53,500 | 17.5% | $6,633 |
| $53,501 to $78,100 | 30% | $7,380 |
| $78,101 to $180,000 | 33% | $33,627 |
| Over $180,000 | 39% | n/a |
Source: Inland Revenue, tax rates for individuals. Rates checked 10 November 2026.
More calculators
Other ways you get paid
Guides
Understand your payslip
Tax codes explained
M, ME, the secondary codes and what happens if you pick the wrong one.
Read the guide →Secondary tax and second jobs
Why a second job looks over-taxed, and how to fix it.
Read the guide →KiwiSaver and student loan deductions
How each one comes out of your pay, and the rates.
Read the guide →Bonuses, back pay and holiday pay
Why a bonus seems taxed more, and how extra pay works.
Read the guide →Questions people ask
How much tax will I pay on $65,000 in New Zealand?
On $65,000 a year with tax code M and KiwiSaver at 3.5%, your take-home pay in 2026/27 is about $49,867 a year. Income tax is $11,720 and the ACC earners’ levy is $1,137.
Does PAYE include the ACC levy?
Yes. On a payslip, PAYE usually shows income tax and the ACC earners’ levy together. This calculator shows them separately so you can see each one. The levy for 2026/27 is 1.75% of earnings up to $156,641 a year.
What is the tax-free threshold in New Zealand?
There is none. New Zealand taxes every dollar of income, starting at 10.5% on the first $15,600 a year.
Why is my take-home pay different from this calculator?
Payroll systems round in slightly different ways, and your pay may include allowances, deductions or a tailored tax code. If the difference is more than a few cents, check your tax code first.