New Zealand Take-Home Pay Calculator (2026-27)
New Zealand take-home pay is salary minus PAYE income tax, the ACC earners' levy (1.75% for 2026-27), KiwiSaver if you are a member (3.5% default from 1 April 2026) and student loan repayments. Tax is 10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above.
| Yearly | Monthly |
|---|
· Calculated with AiStaffo
Tax and deduction rules (2026-27)
| Income tax | 10.5% to $15,600; 17.5% to $53,500; 30% to $78,100; 33% to $180,000; 39% above $180,000. No tax-free amount. |
|---|---|
| ACC earners' levy | 1.75% of earnings up to $156,641 a year (maximum $2,741.22) from 1 April 2026. |
| KiwiSaver | Default employee rate 3.5% from 1 April 2026 (was 3%); you can choose 4%, 6%, 8% or 10%, or a temporary 3%. Employer adds 3.5%, less ESCT. |
| Student loan | 12% of income above $24,128 a year ($464 a week). |
| Independent earner tax credit | $520 a year for income $24,000–$66,000, reduced by 13c per $1 above $66,000, nil at $70,000. Not for people on Working for Families, a benefit or NZ Super. |
| Tax year | 1 April 2026 to 31 March 2027. |
Worked example
Aroha earns $65,000 a year and is in KiwiSaver at the default 3.5%. Income tax is $1,638 (10.5% to $15,600) + $6,632.50 (17.5% to $53,500) + $3,450 (30% on $11,500) = $11,720.50. ACC earners' levy is 1.75% = $1,137.50. KiwiSaver is $2,275.
Take-home pay: $49,867 a year, about $4,155.58 a month or $958.98 a week. Aroha's employer adds $2,275 to KiwiSaver, less ESCT.
What changed on 1 April 2026
The ACC earners' levy rose from 1.67% to 1.75% and the maximum earnings it applies to rose to $156,641. The default KiwiSaver rate for both employee and employer rose from 3% to 3.5%; members can apply for a temporary 3% rate. Tax rates and the student loan threshold did not change.
For employers
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Please note: figures follow the published 2026-27 rates as checked on 21 October 2026 for a resident employee in the standard case. Tax is worked out for the whole year; PAYE on each pay is close to this but can differ slightly. Not included: secondary tax codes, Working for Families, child support, ESCT on employer KiwiSaver and voluntary student loan payments. This is a guide, not tax advice; your payslip can differ because of tax codes, benefits and timing.
Sources
Questions people ask
How much tax do I pay on $70,000 in NZ?
What is the ACC earners' levy for 2026-27?
Is KiwiSaver 3% or 3.5% now?
When do I repay my student loan?
Who gets the independent earner tax credit?
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