05 / PAYE calculator

Gross pay in. Take-home pay out.

Estimate PAYE, ACC earners’ levy, KiwiSaver, student loan deductions and take-home pay using indicative New Zealand settings for 1 April 2026 to 31 March 2027.

NZ salary and wages / 2026–27

Choose how the gross pay is quoted, then add the deductions that apply to you.

Estimated take-home pay$62,610.00/ year
Gross pay$85,000.00
PAYE income tax− $17,927.50
ACC earners’ levy− $1,487.50
KiwiSaver− $2,975.00
Annual gross$85,000
Annual deductions$22,390
Annual take-home$62,610

This is a simplified estimate for regular salary or wages using the 2026–27 individual tax bands, a 1.75% ACC earners’ levy capped at $156,641, the selected KiwiSaver rate and the $24,128 annual student-loan threshold. Actual payday deductions can differ because Inland Revenue uses pay-period tables, rounding and circumstances this tool does not cover, including ESCT, employer contributions, payroll giving, child support, lump sums and tailored tax codes. ME applies the maximum available IETC only where the income band permits; eligibility depends on your circumstances. Settings verified against Inland Revenue guidance on 12 September 2026 for 1 April 2026 to 31 March 2027. Check the current IRD PAYE guidance and ACC levy rates .

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