IRD PAYE tax calculator
Calculate IRD PAYE take-home pay, income tax brackets, ACC levy and KiwiSaver deductions under 2024 New Zealand rates. Free.
In your browser
| Component | Annual | Monthly | |
|---|---|---|---|
| Gross Salary | |||
| Total Deductions (PAYE + ACC + KiwiSaver + Loan) | |||
| Net Take-Home Pay |
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Also with the nz paye tax calculator
About this tool
Calculate your New Zealand net salary and wage deductions under 2024 IRD PAYE tax tables, including ACC earner's levy and KiwiSaver.
How to use it
- 1 Enter your gross income and select pay frequency (yearly, monthly, fortnightly, or weekly).
- 2 Select your KiwiSaver contribution rate (3% to 10%) or opt out.
- 3 Specify whether you have an active New Zealand student loan.
- 4 Review your net take-home pay, income tax brackets, ACC levy, and total deductions.
Questions
How is PAYE calculated in New Zealand?
PAYE is calculated on your gross earnings across graduated tax brackets (10.5% to 39%), plus the 1.60% ACC earner's levy and voluntary KiwiSaver contributions.
What are the current NZ income tax brackets?
For 2024/2025: 10.5% up to $15,600; 17.5% from $15,601 to $53,500; 30% from $53,501 to $78,100; 33% from $78,101 to $180,000; and 39% over $180,000.
What is the ACC earner's levy rate?
The ACC earner's levy is 1.60% of gross earnings up to the maximum liable earnings cap of $142,283.
When do student loan repayments apply?
Deductions of 12% apply to gross earnings above the annual threshold of $24,128 ($464 weekly).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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