NZ
NZ Tax Tools

Free NZ Tax Calculators

Know your
take-home pay

13 calculators for PAYE income tax, ACC levy, KiwiSaver, student loans, GST and more — updated for the 2025-26 tax year.

Calculate take-home pay All calculators

13

Calculators

5

Tax Brackets

2

Tax Years

Featured

Key calculators

Take-Home Pay

Most popular

Net pay after PAYE, ACC levy, KiwiSaver, and student loan. Annual, monthly, weekly & hourly.

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Income Tax

PAYE

NZ income tax by bracket with effective rate and marginal rate for 2025-26 and 2024-25.

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KiwiSaver

Retirement

Employee contributions at 3%-10% and employer minimum 3%. See your total retirement savings.

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ACC Levy

Deduction

ACC earner's levy at 1.60% on earnings up to the annual cap. Both tax years supported.

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More calculators

Student Loan

12% above $22,828

GST Calculator

Add/remove 15%

Bonus Tax

Incremental method

Self-Employment

Provisional tax

Rental Income

Interest deductibility

Bright-line Test

Property sales

FIF Tax

FDR & CV methods

Salary Converter

Annual ↔ hourly

Tax Refund

PAYE refund estimate

Reference

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

Popular salary guides

$50,000 salary $60,000 salary $70,000 salary $75,000 salary $80,000 salary $100,000 salary $120,000 salary

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Tax Insights

Guides on NZ income tax, KiwiSaver, GST, student loans, ACC and more.

Reference

Tax Glossary

Plain-English definitions of PAYE, ACC, IRD, GST, KiwiSaver and 30+ NZ tax terms.

2025-26 & 2024-25 Tax Years

All calculators use current IRD rates and thresholds. NZ tax year runs 1 April to 31 March.