How it works
Applies the selected progressive tax brackets to annual taxable income and totals each band. The current 2026-27 settings apply to individuals earning taxable income from salary, wages, business, and many other sources. Earlier supported years remain selectable for historical comparisons.
2026-27 current10.5% to $15.6k · 17.5% to $53.5k · 30% to $78.1k · 33% to $180k · 39% above
Historical comparison2025-26 uses the current thresholds; 2024-25 uses the earlier $14k, $48k and $70k thresholds
Use the calculator
Use the live tool above to enter your figures, compare outcomes, and sense-check the result before you rely on it for planning. This page is built for employees, sole traders, investors, and individuals comparing annual personal tax outcomes in New Zealand.
- Check which tax year applies before estimating liability.
- Use taxable income after deductions, not gross revenue.
- Compare your effective tax rate instead of only the top marginal rate.
Official IRD guidance
Check the official IRD guidance for the latest published rules, thresholds, timing, and definitions that apply to Income Tax (Individuals).
Disclaimer
This calculator provides estimates only and does not replace official IRD calculations.
- Uses annual taxable income only.
- Does not include tax credits or secondary adjustments.
- Provides an estimate rather than a filed return result.