# PAYE Calculator NZ — take-home pay

Source page: https://valem.run/calculators/new-zealand/net-salary

Your New Zealand take-home is gross minus PAYE income tax (10.5-39%) and the ACC earner levy.

**Tax year:** 2026-27

## How it 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

With Gross annual salary of 70,000 NZD, this model computes Net / month of 4,629.54 NZD.

## Inputs

| Name | Label | Type |
| --- | --- | --- |
| `grossAnnual` | Gross annual salary | number |

## Sources

- [IRD](https://www.ird.govt.nz) (checked 2026-08-02)

## What this page claims

The Valem engine reproduces this model's formula through 2 self-test cases. That shows internal consistency, not that the formula matches current law; the cited sources are the evidence for that. Estimate, not tax advice.

## For agents

- Model manifest (formula, constants, test vectors): https://valem.run/calculators/new-zealand/net-salary.json
- Compute by URL: https://valem.run/calculators/new-zealand/net-salary.json?grossAnnual=70000
- MCP: https://valem.run/mcp/calculators (call `calculate` with calculator `new-zealand/net-salary`)