What lands in a New Zealand bank account each fortnight after PAYE and KiwiSaver
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Take-home pay in New Zealand is gross pay less PAYE, which holds income tax from 10.5% to 39% and the 1.75% ACC earners’ levy, less KiwiSaver at 3.5% by default since 1 April 2026, and less 12% of pay above $464 a week if you have a student loan. A $2,500 fortnight leaves about $1,938 with KiwiSaver at 3.5% and the IETC.
2026-27 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out PAYE and take-home pay for an employee in New Zealand for the tax year 1 April 2026 to 31 March 2027, from Inland Revenue's tax rates, ACC levy, KiwiSaver and student loan pages and its IR340 weekly tax tables.
KiwiSaver. The default employee rate is 3.5% from 1 April 2026; 4%, 6%, 8% and 10% are the other choices, and a temporary rate reduction keeps 3%. The employer adds at least 3.5%, less employer superannuation contribution tax, and the government adds 25 cents a dollar up to $260.72 a year.
A worked example. On $70,000: $13,220.50 income tax and $1,225 ACC levy make $14,445.50 PAYE; KiwiSaver at 3.5% is $2,450, leaving $53,104.50.
The rest of the article, and all 6 questions about New Zealand PAYE Calculator 2026-27, are on the New Zealand PAYE Calculator 2026-27 page.
PAYE holds two parts: income tax at 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above, plus the ACC earners' levy of 1.75%. On $70,000 a year PAYE is $14,445.50, which leaves $53,104.50 after 3.5% KiwiSaver.
From 1 April 2026 to 31 March 2027 the levy is $1.75 per $100 of earnings, or 1.75%, on earnings up to $156,641. The most anyone pays is $2,741.22 a year. Employers collect it inside PAYE, so a payslip usually shows one PAYE figure.
Borrowers with an SL tax code repay 12% of every dollar above the repayment threshold of $24,128 a year, or $464 a week. Someone earning $600 a week repays $16.32. Secondary jobs pay 12% of all their earnings, because the threshold is already used by the main job.
New Zealand tax residents earning $24,000 to $70,000 who do not receive Working for Families, an income-tested benefit or NZ Super. The credit is $10 a week, $520 a year, up to $66,000 of income, then falls by 13 cents per dollar until nothing remains at $70,000.
Rates and rules change; check the source before you rely on a figure.
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