About PAYE Calculator NZ
A free tool for one question: what will I actually take home? Built and run by Crucible, an independent New Zealand company.
How the numbers are checked
Every rate comes from Inland Revenue: the tax brackets, the ACC earners’ levy, the student loan threshold, KiwiSaver rates and ESCT. The method follows IRD’s published payroll rules, including how pay is annualised and rounded.
Before any change goes live, the calculator is tested against Inland Revenue’s own figures to the cent, and against real payslips.
Who runs it
PAYE Calculator NZ is a product of Crucible, the company behind Calculate.co.nz, New Zealand’s largest free calculator and financial literacy site. For wider money questions, try Calculate.co.nz.
This site is not affiliated with Inland Revenue. It is a guide, not tax advice: for anything that affects your tax position, check with IRD or a tax adviser.
Rates in use
2026/27, from 1 April 2026 to 31 March 2027.
- Income tax: 10.5%, 17.5%, 30%, 33%, 39%
- ACC earners’ levy: 1.75% up to $156,641
- Student loan: 12% over $24,128
- KiwiSaver default: 3.5%
Updated 10 November 2026.