Free NZ Tax Calculators
Accurate, up-to-date tax tools for New Zealanders. PAYE income tax, ACC levy, KiwiSaver, student loans, GST and more.
Tax Calculators
Take-Home Pay Calculator
Calculate your net pay after PAYE tax, ACC levy, KiwiSaver, and student loan deductions.
Income Tax Calculator
See your NZ income tax by bracket, effective rate, and marginal rate.
ACC Levy Calculator
Calculate your ACC earner's levy for the 2024-25 and 2025-26 tax years.
KiwiSaver Calculator
Calculate employee and employer KiwiSaver contributions at any rate.
Student Loan Calculator
Estimate your annual student loan repayments based on your income.
GST Calculator
Add or remove GST at 15%. Check if you need to register for GST.
NZ Tax at a Glance (2025-26)
Income Tax Rates
- 10.5% — up to $14,000
- 17.5% — $14,001–$48,000
- 30% — $48,001–$70,000
- 33% — $70,001–$180,000
- 39% — over $180,000
ACC Earner's Levy
- Rate: 1.60%
- Cap: $142,283
- Max levy: $2,276.53
KiwiSaver
- Employee: 3%–10%
- Employer: min. 3%
Student Loan
- Rate: 12%
- Threshold: $22,828
Tax Insights
Read our guides on NZ income tax, KiwiSaver, GST, student loans and more.
Tax Glossary
Plain-English definitions of PAYE, ACC, IRD, GST, KiwiSaver and more NZ tax terms.