Work out your take-home pay in New Zealand from a salary, wage or hourly rate — income tax at the current PAYE bands, ACC earners' levy, your KiwiSaver contribution and student loan repayments. Weekly, fortnightly, monthly and annual figures.
Default rate rose from 3% to 3.5% on 1 April 2026 (4% from 1 April 2028). You can opt for 3%.
1.67% for 2025–26 up to the maximum liable earnings; check acc.co.nz for the current year.
2025–26 figure.
2025–26 annual threshold — ird.govt.nz
Gross per year—
Income tax—
ACC levy—
KiwiSaver (yours)—
Student loan—
Take-home per year—
Take-home per month—
Take-home per week—
General information only — not financial, tax or legal advice. Figures are estimates from the inputs you enter. Confirm with your adviser, accountant, lender or insurer.
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Prices exclude GST. Illustrative tools only — not legal, tax or financial advice.
How PAYE works in NZ
New Zealand taxes income in bands: the first $15,600 at 10.5%, the next slice to $53,500 at 17.5%, then 30% to $78,100, 33% to $180,000 and 39% above that. Only the dollars inside each band are taxed at that band's rate, which is why your effective rate is always lower than your top rate. Your employer deducts tax through PAYE each pay day, along with the ACC earners' levy (which funds non-work injury cover), your KiwiSaver contribution, and student loan repayments of 12 cents in every dollar above the repayment threshold.
KiwiSaver changes to know about
From 1 April 2026 the default employee and employer contribution rate rose from 3% to 3.5%, and it rises again to 4% on 1 April 2028; employees can apply to stay at 3% temporarily. The government contribution was halved to 25 cents per dollar (maximum $260.72 a year) from 1 July 2025 and is not paid to people earning over $180,000. None of that changes what your employer pays you — it changes what lands in your KiwiSaver account.
Assumptions and sources
Income tax bands
2025–26 and 2026–27: 10.5% to $15,600 · 17.5% to $53,500 · 30% to $78,100 · 33% to $180,000 · 39% above — ird.govt.nz/income-tax/income-tax-for-individuals/tax-codes-and-tax-rates-for-individuals
ACC earners' levy
1.67% up to $152,790 liable earnings for 2025–26 (editable) — acc.co.nz
KiwiSaver
Employee rate default 3.5% from 1 April 2026; options 3–10%; employer contribution not deducted from pay — kiwisaver.govt.nz
Student loan
12% of income above the annual repayment threshold ($24,128 for 2025–26, editable) — ird.govt.nz
Not included
Secondary tax codes, extra-pay rates, Working for Families, Independent Earner Tax Credit, ESCT on employer KiwiSaver.
Last reviewed 6 September 2026. Rates and thresholds change — check the linked sources before relying on a figure.
Frequently asked questions
How much tax do I pay on $70,000 in NZ?
About $13,221 in income tax for the 2025–26 year: 10.5% on the first $15,600 ($1,638), 17.5% on the next $37,900 ($6,632.50), and 30% on the remaining $16,500 ($4,950). ACC levy, KiwiSaver and any student loan come off on top of that.
What is the ACC earners' levy?
A levy deducted with PAYE that funds ACC cover for injuries outside work. For 2025–26 it is $1.67 per $100 of earnings (1.67%) up to maximum liable earnings of $152,790. ACC sets the rate each year.
Does KiwiSaver come out of my pay before or after tax?
After tax. Your contribution (3%, 3.5%, 4%, 6%, 8% or 10% of gross pay) is deducted from your after-tax pay. Your employer's contribution is paid on top of your salary and is taxed separately (ESCT) before it reaches your account.
Is this calculator exact?
It applies the published bands and rates to annual income and divides evenly across pay periods. Real payslips can differ slightly because PAYE tables round per pay period, secondary tax codes work differently, and extra pays (bonuses, lump sums) are taxed at a flat rate on the pay. Use it for planning; your payslip and IRD are the record.
