OneFreePlace · Business Tools · #575
2026–27 New Zealand tax year · 1 Apr 2026–31 Mar 2027
New Zealand Net Salary Calculator
Model PAYE income tax, ACC earners’ levy, KiwiSaver, student-loan deductions, IETC and employer KiwiSaver/ESCT — then compare offers or reverse-solve the gross salary needed for your target take-home.
Estimated take-home$0per year
Monthly$0
Gross cash pay$0annual
Income tax after credits$00% marginal band
ACC levy$01.75% up to $156,641 liable earnings
KiwiSaver employee$03.5% of eligible gross pay
Annual breakdown
| Cash salary / wages | |
| Bonus + allowances | |
| Taxable income after deductions | |
| Income tax before credits | |
| IETC | |
| Other tax credits | |
| ACC earners’ levy | |
| Student-loan repayment | |
| Employee KiwiSaver | |
| Other post-tax deductions | |
| Estimated take-home |
|---|
Pay-period view
Monthly
Fortnightly
Weekly
Daily (260 workdays)
Decision intelligence
Next $1,000 salary
Take-home share
Alternative offer
2025–26 comparisonchange driven here by ACC/KiwiSaver defaults; tax brackets unchanged
Employer KiwiSaver value
Gross employer contribution
Estimated ESCT
Net employer contribution
What this tool does — and does not do
This is an annual planning estimate for a New Zealand employee. Payroll systems calculate PAYE by pay period and may round differently. Secondary tax codes, tailored tax codes, irregular lump sums, Working for Families, benefits, redundancy, non-resident rules, special student-loan rates and employer-specific total-remuneration arrangements can change actual deductions. IETC is included only when you say you are eligible for it.