Enter your salary or hourly wage to see your take-home pay in New Zealand after PAYE, the ACC levy, KiwiSaver and student loan, per year, month, fortnight and week, with the IETC and your employer's KiwiSaver after ESCT.
How to use the NZ pay calculator
- Enter your pay before tax and choose whether it's per year, month, fortnight, week or hour.
- Pick your KiwiSaver rate and tick the box if you have a student loan.
- Open the extra section for a different employer KiwiSaver rate, a total remuneration package, or if you can't get the IETC.
- Read your take-home pay for each pay period and the breakdown below it.
Worked example
On a $70,000 salary in 2026-27, income tax is $1,638 + $6,632.50 + $4,950 = $13,220.50. The ACC levy is 1.75%, $1,225, and KiwiSaver at 3.5% is $2,450, leaving $53,104.50 a year: $2,042.48 a fortnight or $1,021.24 a week. Your employer adds $2,450 of KiwiSaver; at the 30% ESCT rate, $1,715 of it reaches your account. On $60,000 you'd get the full $520 IETC, so tax is $9,700.50 and take-home pay $47,149.50.
The rates for 2026-27
- Income tax: 10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, 39% above
- ACC earners' levy: 1.75% on earnings up to $156,641
- KiwiSaver: 3.5% default for you and your employer; ESCT 10.5% to 39% on the employer's part
- Student loan: 12% of pay over $24,128 a year
- IETC: $520 a year for income of $24,000 to $66,000, phasing out by $70,000
Sources: Inland Revenue (tax rates for individuals, ACC earners' levy rates, KiwiSaver changes, ESCT, student loan repayments, IETC). Everything runs in your browser.
Frequently asked questions
How much tax do I pay on $70,000 in New Zealand?
$13,220.50 of income tax in 2026-27: 10.5% of the first $15,600, 17.5% up to $53,500 and 30% of the last $16,500. With the 1.75% ACC levy ($1,225) you take home $55,554.50, or $53,104.50 after 3.5% KiwiSaver, which is $2,042.48 a fortnight.
What are the income tax rates for 2026-27?
10.5% on income up to $15,600, 17.5% from $15,601 to $53,500, 30% to $78,100, 33% to $180,000 and 39% above that. These thresholds have applied since 1 April 2025. There's no tax-free amount: tax starts from the first dollar.
What is the ACC earners' levy?
A levy that pays for ACC cover of injuries outside work, taken with PAYE. It's 1.75% of your earnings up to $156,641 in 2026-27 (at most $2,741.22 a year), up from 1.67% up to $152,790 in 2025-26. It's set to rise to 1.83% from 1 April 2027.
What is the independent earner tax credit (IETC)?
$520 a year ($10 a week) off your tax if your income is between $24,000 and $66,000, reducing by 13 cents for each dollar above $66,000 until it stops at $70,000. You can't get it if you or your partner receive Working for Families, or you get a main benefit or NZ Super. Employees get it through tax code ME or ME SL.
How much KiwiSaver comes out of my pay?
From 1 April 2026 the default is 3.5% of your gross pay (it was 3%), and your employer must add at least 3.5% too, taxed at your ESCT rate. You can choose 4%, 6%, 8% or 10% instead, or apply to Inland Revenue for a temporary 3% rate for 3 to 12 months; your employer can then pay 3% as well. The default rises to 4% on 1 April 2028.
How are student loan repayments worked out?
12 cents of every dollar you earn over the repayment threshold, which is $24,128 a year or $464 a week. On $70,000 that's $5,504.64 a year. Your employer takes it with PAYE when you use a tax code with SL, such as M SL.
