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    Tax Calculator

    🇳🇿 New Zealand version

    On a New Zealand wage, the deductions this page counts are PAYE income tax and the ACC earners' levy. This version applies the 2026-27 Inland Revenue rates for a resident on main income, includes the independent earner tax credit when you are eligible, and shows the tax charged in each band beside your take-home pay.

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    Income Tax Calculator

    Income tax and payroll taxes for New Zealand, tax year 2026-27. Change the country in the header to use another country's rules.

    Your income

    $

    Not available if you get NZ Super, a main benefit or Working for Families payments.

    Tax breakdown

    Gross a year
    $75,000.00
    Taken off a year
    $16,033.00
    Take-home a year
    $58,967.00
    Effective / marginal rate
    21.4% / 31.8%
    ItemAmount a yearShare of gross
    Income tax (PAYE)
    Band by band
    • 10.5%: 10.500% on $15,600.00 = $1,638.00
    • 17.5%: 17.500% on $37,900.00 = $6,632.50
    • 30%: 30% on $21,500.00 = $6,450.00
    		$14,720.5019.6%
    ACC earners' levy
    1.75% of earnings (maximum liable earnings $156,641).
    		$1,312.501.8%
    • Tax year 1 April 2026 to 31 March 2027, New Zealand resident, main income (tax code M or ME).
    • Total includes ACC levy, and any KiwiSaver contribution and student loan repayment selected; these are amounts withheld, not all taxes.
    • Independent earner tax credit does not apply at this income (it applies to income from $24,000 to $70,000).

    Results are estimates for tax year 2026-27 and do not replace the official calculator or guidance from the tax authority (for example: Inland Revenue: Payroll Calculations & Business Rules Specification, 1 April 2026 to 31 March 2027).

    🇳🇿 New Zealand, tax year 2026-27 (1 April 2026 to 31 March 2027)

    Official sources
    Not covered
    • Covers a New Zealand tax resident on one main income (tax code M or ME). Secondary tax codes (S, SH, ST, SA), tailored tax codes and non-resident rules are not covered.
    • Working for Families, the Best Start and other tax credits, donation tax credits and other income such as interest, dividends or rental income are not included.
    • The independent earner tax credit is applied to gross income as a simple annual amount; IRD works it out in whole months and does not allow it for any month you get a benefit, NZ Super or Working for Families.
    • The ACC work levy that employers pay depends on the business classification and is not included in employer costs.
    • KiwiSaver government contributions, temporary contribution reductions, and members in complying funds are not modelled.
    • ESCT is estimated from this year's pay; IRD sets the rate from the previous tax year's salary plus employer contributions.
    • Student loan repayments use the main-income rate of 12% over the annual threshold; interest and additional voluntary repayments are not covered.
    • Fringe benefit tax and other employer taxes are not covered.

    New Zealand rules and figures

    • New Zealand's 2026-27 income tax rates are 10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above that.
    • The ACC earners' levy is $1.75 per $100 of earnings including GST, charged on earnings up to a maximum of $156,641.
    • The independent earner tax credit is $520 a year for income of $24,000 to $66,000, fading to nil at $70,000.
    • This page assumes tax code M or ME, which is the code for a resident's main income, so secondary-income codes are not applied.
    • The New Zealand tax year runs from 1 April 2026 to 31 March 2027.

    Sources: Inland Revenue: Tax rates for individuals (checked 2026-11-08); Inland Revenue: ACC earners' levy rates (checked 2026-11-08); Inland Revenue: Independent earner tax credit (IETC) (checked 2026-11-08)

    How the tax calculator works

    Each slice of pay is taxed at 10.5%, 17.5%, 30%, 33% or 39%. The independent earner tax credit, if ticked, comes off the tax. The ACC earners' levy is then charged at 1.75% of pay up to a ceiling, and take-home is pay minus both.

    PAYE = Σ (income in band × rate) − independent earner tax credit; ACC levy = 1.75% × min(income, $156,641); take-home = income − PAYE − ACC

    • The thresholds are $15,600, $53,500, $78,100 and $180,000. There is no tax-free amount, so the first dollar is taxed at 10.5%.
    • The independent earner tax credit is $520 a year for income between $24,000 and $66,000. It reduces by 13 cents per dollar above $66,000 and is gone at $70,000.
    • ACC is charged on earnings up to $156,641, which caps the levy at about $2,741 a year.
    • KiwiSaver and student loan repayments are left out here and appear in the Payroll Calculator, since they are not tax.

    How to use the tax calculator

    1. Enter what you earn. Type your gross pay for the year in New Zealand dollars. The calculator assumes one main income on tax code M.
    2. Tick or clear the credit. The independent earner tax credit option is on by default. Clear it if you get NZ Super, a main benefit or Working for Families.
    3. Read PAYE, ACC and take-home. The tiles show each deduction, take-home pay and your two rates. Open Band by band to see income in each of the five tax bands.
    4. Look up the rules. Official sources links the Inland Revenue pages used, with dates. Copy summary gives you a short text version of the result.

    Example: NZ$75,000 salary, and NZ$60,000 with the credit

    On $75,000, PAYE is $14,720.50, which adds $1,638 in the 10.5% band, $6,632.50 in the 17.5% band and $6,450 in the 30% band. The ACC levy is $1,312.50, so $16,033 comes off in total, an effective rate of 21.4%, and take-home is $58,967. At $60,000 the $520 credit applies: PAYE is $9,700.50, ACC is $1,050 and take-home is $49,249.50.

    When to use the tax calculator

    • Checking a job offer. Enter the salary to see yearly take-home after PAYE and ACC, before KiwiSaver or a student loan.
    • Finding the 30% band. Try $53,000 and $54,000 to see how income above $53,500 starts to be taxed at 30%.
    • Seeing the credit fade. Compare $66,000, $68,000 and $70,000 with the credit ticked to watch the $520 fall to nothing.
    • Testing a raise. Change the pay and read the marginal rate, which includes the 1.75% ACC levy, to see what you keep of each extra dollar.

    What the tax calculator does not do

    • It covers a resident on one main income with tax code M or ME. Secondary codes, tailored codes and non-residents are not covered.
    • The independent earner tax credit is applied as a flat yearly amount. Inland Revenue works it out in whole months and withholds it in none where a benefit or NZ Super is paid.
    • Working for Families, donation credits and other income such as interest or rent are not included.
    • Treat the output as an estimate for 2026-27; Inland Revenue's own tools decide the real figures.

    When something else is a better fit

    • When you want a payslip with KiwiSaver, a student loan and employer cost, use the Payroll Calculator.
    • When you are filing a return with other income or credits, use myIR and Inland Revenue's own tax calculators.

    Questions about the tax calculator

    How much tax is on a $75,000 salary in New Zealand?

    PAYE is $14,720.50 and the ACC earners' levy is $1,312.50 for 2026-27, so $16,033 is taken off and take-home is $58,967 a year, an effective rate of 21.4%.

    Is the ACC levy a tax?

    It is a separate levy that funds accident cover, charged at 1.75% of earnings up to $156,641. This page adds it to PAYE so the take-home figure matches a payslip.

    Who can claim the independent earner tax credit?

    People with income of $24,000 to $70,000 who do not receive NZ Super, a main benefit or Working for Families payments. It is worth up to $520 a year.

    Does the result include KiwiSaver?

    No. KiwiSaver is a savings contribution rather than a tax, so it is handled in the Payroll Calculator along with employer contributions.

    Which tax year does it use?

    The year from 1 April 2026 to 31 March 2027. Each Inland Revenue page used is listed under the results with the date it was checked.