New Zealand PAYE Calculator
PAYE Calculator
Estimate take-home pay from salary or wages using current New Zealand tax bands, ACC earners levy, KiwiSaver, and student loan deductions.
This calculator is a guide only. Payroll deductions can vary by tax code, pay period, allowances, and IRD instructions.
| Item | Hour | Week | Fortnight | Month | Year |
|---|---|---|---|---|---|
| Gross pay | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| PAYE tax | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| ACC levy | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| KiwiSaver | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Student loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Take-home pay | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Assumptions: main income tax code, 2026-27 ACC earners levy at 1.75% up to $156,641, standard KiwiSaver rates from 1 April 2026, student loan at 12% above the annual threshold, and 52 weeks per year.
Reverse PAYE Calculator
Find the gross pay behind your take-home amount
Enter the net amount that reaches your bank account and we will estimate the hourly, weekly, fortnightly, monthly and annual gross income needed under the selected PAYE settings.
| Item | Hour | Week | Fortnight | Month | Year |
|---|---|---|---|---|---|
| Gross pay | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| PAYE tax | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| ACC levy | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| KiwiSaver | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Student loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Estimated take-home pay | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
How this estimate works
The calculator converts your target take-home amount into an annual net target, then uses a bounded reverse calculation around the same PAYE, ACC, KiwiSaver and student-loan assumptions shown above. Results are estimates for standard employment income and are not official Inland Revenue calculations.
Supported tax codes
| Tax code | Used for | Student loan? |
|---|---|---|
| M | Main or highest-paying job. | No |
| M SL | Main or highest-paying job with student-loan repayments. | Yes |
Need help setting up or managing payroll? Talk to Aura about payroll.