New Zealand · Payroll 2026-27

NZ PAYE calculator.

Enter your gross salary to estimate PAYE, the ACC earners’ levy, KiwiSaver and take-home pay.

Rates for 1 April 2026 to 31 March 2027 checked against Inland Revenue and ACC on 15 October 2026. A planning estimate for tax code M, not tax advice.

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Your details

$
The minimum employee rate is 3.5% from 1 April 2026. Members who cannot afford it can apply for a temporary reduction to 3%.
Adds the 12% repayment on income over $24,128 a year.

Estimate

Enter your figures to see the estimate.

Worked example: $80,000

  1. PAYE: 10.5% of $15,600, 17.5% of the next $37,900, 30% of the next $24,600 and 33% of the last $1,900 is $16,277.50.
  2. ACC earners’ levy: 1.75% of $80,000 is $1,400.00.
  3. KiwiSaver at 3.5%: $2,800.00.
  4. Take-home: $59,522.50 a year, $4,960.21 a month or $2,289.33 a fortnight.

Rates and assumptions

Rates used (1 April 2026 to 31 March 2027): 10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above; ACC earners’ levy 1.75% on earnings up to $156,641 (maximum $2,741.22); KiwiSaver employee rates 3%, 3.5%, 4%, 6%, 8% or 10%, with 3.5% the default from 1 April 2026; student loan 12% of income over $24,128. The 2026-27 payroll specification confirms the same income tax bands as 2025-26.

Not modelled: tax codes other than M (secondary jobs, NSW), Working for Families and other tax credits, child support, ESCT based on last year’s income, salary sacrifice, and exact payroll rounding. ACC is shown at the standard earners’ levy, which includes GST.

Official sources

Retrieved October 2026

This is an independent estimate. It does not connect to Inland Revenue and nothing you type leaves your browser.

Frequently asked questions

How much tax do I pay on $80,000 in New Zealand?

PAYE on $80,000 is $16,277.50, plus $1,400.00 ACC earners' levy, in 2026-27. With KiwiSaver at 3.5% the take-home is about $59,522.50.

What are the NZ tax brackets for 2026-27?

Inland Revenue lists 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above. The 2026-27 payroll specification uses the same thresholds as 2025-26.

What is the ACC earners’ levy?

It is 1.75% of earnings for 1 April 2026 to 31 March 2027, charged on earnings up to $156,641, so the most you pay is $2,741.22. It is deducted with PAYE.

Is KiwiSaver deducted before or after tax?

PAYE is calculated on your full gross pay and your KiwiSaver contribution is deducted as well, so KiwiSaver comes out of take-home pay. The calculator subtracts it from net pay.

Related tools

KiwiSaver CalculatorEstimate what goes into your KiwiSaver each year and project the balance with a return you choose.NZ Hourly to Salary Calculator After TaxTurn an hourly rate into a yearly salary and see weekly, fortnightly and monthly take-home pay.NZ Bonus Tax CalculatorSee the tax withheld on a bonus or lump sum and what you take home from it.Australian take-home pay calculatorTax, Medicare levy and HELP for 2026-27.All New Zealand toolsThe full New Zealand shelf.

Estimate only

Not tax or financial advice. Your payslip and myIR are authoritative.

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