New Zealand PAYE calculator (take-home)
New Zealand PAYE calculator (take-home)Your New Zealand take-home is gross minus PAYE income tax (10.5-39%) and the ACC earner levy.
Worked example · Net / month
You keep 79.4% of gross pay 20.6% goes to tax and contributions
With Gross annual salary of 70,000 NZD, this model computes Net / month of 4,629.54 NZD. See the full working.
✓ Verified against 2 self-test cases Updated for 2026-27 · sources checked 2026-08-02
How take-home pay in New Zealand is calculated
New Zealand PAYE runs 10.5% up to 15,600 NZD, then 17.5%, 30%, 33% and 39% across the bands — unchanged for 2026-27. The ACC earner levy rose to 1.75% on earnings up to 156,641 NZD, capping the levy at 2,741.22 a year.
KiwiSaver contributions and student-loan repayments are optional deductions on top. The calculator shows PAYE and ACC. Estimate, not tax advice.
Worked example
ShowHide the full working: 1 input, 4 computed steps
| Inputs | |
|---|---|
| Gross annual salary | 70,000 NZD |
| Computed by the engine | |
| PAYE ✓ pinned | 13,220.50 NZD |
| ACC earner levy ✓ pinned | 1,225 NZD |
| Net / year ✓ pinned | 55,554.50 NZD |
| Net / month | 4,629.54 NZD |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What is take-home on 70,000 NZD?
PAYE of about 13,220 and the ACC levy of 1,225 leave roughly 55,555 NZD net in 2026-27.
What is the ACC earner levy?
A levy funding accident cover, 1.75% of income up to 156,641 NZD in 2026-27, deducted alongside PAYE and capped at 2,741.22 a year.
Is KiwiSaver included?
Not in the base figure — KiwiSaver (3%+) is an optional deduction you can add.
Sources
- IRD · checked 2026-08-02
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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All New Zealand calculators · All calculators
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