NZ Tax Calculators

Free, accurate New Zealand tax calculators for individuals. All rates correct for 2024-25 and 2025-26.

Take-Home Pay Calculator

Calculate your net pay after PAYE tax, ACC levy, KiwiSaver, and student loan deductions. Annual, monthly, weekly, and hourly breakdowns.

Calculate your NZ income tax by bracket for 2025-26 or 2024-25. See effective and marginal rates.

Calculate your ACC earner's levy. 1.60% on earnings up to $142,283 (2025-26 cap).

Calculate employee and employer KiwiSaver contributions at 3%, 4%, 6%, 8%, or 10%.

Estimate your student loan repayments. 12% on income above $22,828/year.

Add or remove GST at 15%. Check if you need to register for GST ($60,000 threshold).

Calculate tax on a bonus payment: PAYE, ACC levy, KiwiSaver, and student loan deductions.

Total tax for self-employed: income tax, ACC levy, and provisional tax installments.

Tax on rental property income with interest deductibility and expense deductions.

Check if the bright-line test applies to your property sale and estimate the tax.

Foreign Investment Fund tax using FDR or CV method. De minimis exemption under $50,000.