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Every page on PAYE Calculator NZ, 65 in total, grouped the way the site is organised. All figures are current for the 2026–27 tax year.
Calculators
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
- Employer Contribution CalculatorWhat your employer adds, after ESCT
ONE-OFF PAYMENTS
- Bonus & RedundancyHow extra pay is taxed, and why it looks so high
- Holiday Pay8% annual leave payout and public holidays
- Tax RefundWhether IRD owes you money at year end
Tax Codes
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
SECOND JOB
- Secondary TaxWhat a second job actually costs you
- S: 19.25%$15,601 to $53,500
- SH: 31.75%$53,501 to $78,100
CONTRACTORS
- WTSchedular payments and withholding tax
- Schedular PaymentsNo ACC, no student loan, no KiwiSaver
Rates
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%
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
KiwiSaver
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
JOINING & LEAVING
- 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
Guides
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
WHEN SOMETHING CHANGES
- Why Your Pay ChangedBonuses, the 53-week year, a new tax code
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
About, trust and policies
- AboutWho publishes this site and how it is built
- MethodologyWhat the calculator models, and what it does not
- Official sourcesEvery figure, and the page it came from
- Editorial policyHow pages are sourced, checked and corrected
- Rates changelogEvery rate, and the date it changed
- GlossaryThe pay and tax terms used across the site
- ContactCorrections, privacy requests and enquiries
- DisclaimerThe limits of these figures
- Privacy policyWhat is collected, which is almost nothing
- Terms of useThe terms you accept by using the site
- SitemapThis page
Related
- official sourcesExternal pages the site cites
- about PAYE Calculator NZWhat it does and does not do
- pay and tax glossaryEvery term, with its figure