Take-home pay calculator
See what actually lands in your account after tax, ACC, KiwiSaver and student loan deductions, using current IRD rates.
What this means for you
See the difference between your average tax rate and the marginal rate on your next dollar earned.
Compare salary levels
See how take-home pay and your effective tax rate shift at a higher salary.
| Scenario | Gross salary | Take-home / year | Effective rate |
|---|---|---|---|
| Current | $0 | $0 | 0% |
| +$5,000 salary | $0 | $0 | 0% |
| +$10,000 salary | $0 | $0 | 0% |
Your effective rate rises gradually with salary, since only the portion of income in each bracket is taxed at that bracket's rate.
Assumptions & sources
Inland Revenue (IRD) 2026/27 PAYE income tax brackets and ACC earner levy rate.
1 July 2026
17 July 2026
Progressive PAYE tax calculated bracket by bracket, plus ACC earner levy (capped), KiwiSaver contribution and student loan repayment if applicable.
PAYE income tax, ACC earner levy, KiwiSaver employee contribution, and student loan repayment.
Working for Families tax credits, secondary tax codes, and other individual circumstances that could change your actual result.
Related reading
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Read article →2026/27 tax rates used in this calculator
| Income band | Rate |
|---|---|
| Up to $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30% |
| $78,101 – $180,000 | 33% |
| Over $180,000 | 39% |
Plus the ACC earner levy at 1.75% of gross earnings, capped at $156,641 of income (maximum levy $2,741.22/year). Student loan repayments are 12% of income above the $24,128 annual threshold. KiwiSaver's default employee contribution rate rose from 3% to 3.5% from 1 April 2026.
Example: A $95,000 salary with default 3.5% KiwiSaver
On a $95,000 gross salary, PAYE income tax comes to approximately $21,228.
The ACC earner levy at 1.75% adds approximately $1,663, and the default 3.5% KiwiSaver contribution takes approximately $3,325.
That leaves approximately $68,785 take-home — about 72% of the gross salary — or roughly $1,323 a week.
Turning off KiwiSaver contributions would add that $3,325 back to take-home pay, but it's worth weighing against the employer match and long-term retirement savings you'd be giving up — the KiwiSaver calculator shows what that trade-off looks like over a working life.
Frequently asked questions
10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, and 39% above that — unchanged from the 2025-26 tax year.
1.75% of gross earnings from 1 April 2026, capped at $156,641 of income, for a maximum annual levy of $2,741.22.
