NZ PAYE tax calculator
Calculate NZ take-home pay with IRD personal income tax brackets, ACC earner's levy, KiwiSaver deductions and student loan repayments.
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| Component | Annual | Monthly | |
|---|---|---|---|
| Gross Salary | |||
| Total Deductions (PAYE + ACC + KiwiSaver + Loan) | |||
| Net Take-Home Pay |
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About this tool
Calculate your New Zealand take-home pay with IRD tax brackets updated for 2024. Factors in ACC earner's levy, optional KiwiSaver deductions, employer contributions, and student loan repayment deductions.
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
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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