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YOUR PAY

• Take-Home PayPAYE, ACC, KiwiSaver and student loan on 2026–27 rates
• Hourly RateHourly to salary, and what you keep per hour
• Weekly PayTake-home each week, including the 53-week year
• Fortnightly PayThe most common New Zealand pay cycle
• Pay FrequencyHow weekly, fortnightly and monthly pay differ

DEDUCTIONS

• ACC Levy CalculatorThe earners' levy deducted from your pay
• Student Loan Calculator12% of every dollar over $24,128
• ESCT CalculatorCheck the tax on your employer's KiwiSaver contribution
• Employer Contribution CalculatorWhat your employer adds, after ESCT

ONE-OFF PAYMENTS

• Bonus & RedundancyHow extra pay is taxed, and why it looks so high
• Holiday PayAnnual holidays, and the 8% payout
• Public Holiday PayTime and a half, and the alternative holiday
• Final PayWhat you're owed when you leave a job
• Tax RefundWhether IRD owes you money at year end

START HERE

• All Tax CodesEvery code and every rate in one table
• Which Code Am I?Answer five questions and get your code
• Change Your CodeHow to find the one you're on, and switch
• IR330 FormThe tax code declaration, filled in box by box

MAIN INCOME

• MMain income, no student loan
• MEMain income with the $520 independent earner credit
• M SL & ME SLThe student loan suffix explained
• IETC$520 a year between $24,000 and $66,000
• IETC CalculatorYour credit, from your total income

SECOND JOB

• Secondary TaxWhat a second job actually costs you
• SB: 12.25%Total income up to $15,600
• S: 19.25%$15,601 to $53,500
• SH: 31.75%$53,501 to $78,100
• ST: 34.75%$78,101 to $180,000

CONTRACTORS

• WTSchedular payments and withholding tax
• IR330CChoosing your withholding rate
• Schedular PaymentsNo ACC, no student loan, no KiwiSaver

TAX RATES

• Tax BracketsIncome tax bands for 2026–27
• PAYE RatesIncome tax and ACC combined into one rate
• Tax Year Dates1 April to 31 March, and what happens at the end

DEDUCTION RATES

• ACC Earners' Levy1.75% up to $156,641, capped at $2,741.22
• Student Loan RepaymentsHow the 12% repayment works
• Repayment ThresholdWeekly, fortnightly and monthly figures
• ESCT RatesFive bands from 10.5% to 39%
• KiwiSaver Rates3.5% default, plus 4, 6, 8 and 10%
• Child Support DeductionsThe 40% cap, and the 60% you keep
• Payroll GivingA donation with a 33.33% credit attached

WAGES

• Minimum Wage After TaxWhat $23.95 an hour really pays
• Living Wage vs MinimumThe gap, after tax
• Average & Median WageBoth figures, before and after tax

CONTRIBUTIONS

• Contribution Rates3.5% default from 1 April 2026
• Employer ContributionThe compulsory 3.5% on top of your salary
• Change Your RateThe KS2 form and the 3-month rule
• Total RemunerationWhen KiwiSaver comes out of your stated salary

TAX ON KIWISAVER

• ESCT ExplainedThe tax on your employer's contribution
• ESCT RatesWhich band applies to you
• Is KiwiSaver Taxed?PAYE, ESCT and PIR, told apart

JOINING & LEAVING

• Is It Compulsory?Auto-enrolment and who's eligible
• Opting OutThe KS10 and the 14–56 day window
• Savings SuspensionPausing contributions for 3–12 months
• Self-EmployedNo employer contribution, what changes
• Government ContributionUp to $260.72 a year

UNDERSTANDING YOUR PAY

• What Is PAYE?Everything your employer takes before you're paid
• How PAYE Is CalculatedThe formula, step by step
• Reading Your PayslipEvery line explained
• Gross vs Net PayWhat sits between the two
• Effective vs Marginal RateWhy you don't pay your bracket rate

WHEN SOMETHING CHANGES

• Why Your Pay ChangedBonuses, the 53-week year, a new tax code
• Deductions From Your PayWhat an employer can and cannot take
• Overtime TaxWhy a big week looks over-taxed
• Do I Need to File?IR3 rules and deadlines

OTHER SITUATIONS

• Student Loan InterestWhy there's no interest line on your payslip
• Paid Parental LeaveTaxed like a salary, paid by IRD
• ACC Weekly CompensationThe 80% the earners' levy buys
• Working for FamiliesA payment from IRD, not a deduction
• How Much Can I Borrow?What a lender reads on your payslip
• vs the IRD CalculatorWhat theirs does, and what it leaves out

ABOUT THIS SITE

• MethodologyWhat the calculator models, and what it does not
• Rates ChangelogEvery figure, and the date it changed
• Official SourcesEvery figure, and the page it came from
• GlossaryEvery term on a payslip, with its figure