Calculator

PAYE Calculator — Take-Home Pay & Tax Breakdown

Enter your income below to see your full tax breakdown: PAYE, ACC, KiwiSaver, and student loan — shown annually, monthly, fortnightly, weekly, and hourly.

Last updated: 29 June 2026

Annual Income ($)

$0 gross income

General Settings

Hours Worked Per Week

Income Tax Brackets

Current PAYE income tax rates for the 2026-27 tax year.

Threshold ($0 – $15,600)

$15,601 – $53,500

$53,501 – $78,100

$78,101 – $180,000

$180,001+

ACC Earners' Levy

ACC Levy Rate (%)

ACC Income Cap ($)

KiwiSaver

I'm a KiwiSaver member

Employee Contribution Rate (%)

Employer Contribution (%)

Student Loan

Apply Student Loan Repayments

Student Loan Rate (%)

Annual Threshold ($)

Independent Earner Tax Credit (IETC)

Apply Independent Earner Tax Credit

Annual Credit ($)

Minimum Threshold ($)

Reduction Point ($)

Maximum Threshold ($)

Abatement Rate (cents per $)

Disclaimer: This calculator is a guide using standard assumptions to estimate your tax breakdown. Results are for illustrative purposes only and do not constitute financial or tax advice. There are many variables that can affect your actual tax obligations — for a definitive understanding of your situation, please consult a qualified tax professional or contact Inland Revenue directly. This calculator assumes you are an employee; if you are self-employed, your payment structure and tax obligations will differ.