PAYE Calculator NZ
Estimate take-home pay after PAYE, ACC, KiwiSaver and student loan deductions.
Uses 2026–27 rates by default · Source: Inland Revenue
How to use the PAYE calculator
- Enter the pay amount and choose its frequency.
- Select the employee's tax code and KiwiSaver rate.
- Review estimated PAYE, ACC, other deductions and take-home pay.
PAYE example: $1,000 a week
For $1,000 gross weekly pay using tax code M, 3.5% KiwiSaver and no student loan:
See full example
Gross pay is the amount before deductions. From Sarah's $1,000 weekly gross pay, the calculator estimates $154.00 PAYE, $17.50 ACC and $35.00 KiwiSaver. After total deductions of $206.50, the estimated net pay reaching her bank account is $793.50.
If Sarah starts with a desired take-home amount instead, the calculator's net-pay mode can work backwards to estimate the gross pay required. Results can change with the tax code, KiwiSaver rate, student loan status and other payroll deductions.
Choosing a tax code
Your tax code tells payroll how to withhold tax. M commonly applies to a main job, M SL adds student loan deductions, and secondary income uses codes such as SB, S, SH, ST or SA depending on total income. Use the code confirmed for your circumstances rather than guessing.
See our full NZ Tax Codes guide →Frequently asked questions
Does this PAYE tool include KiwiSaver or student loans?
Yes. It estimates PAYE together with ACC and KiwiSaver deductions, and it includes student loan repayments when you select an SL tax code.
Can I use this for secondary income?
Yes. Choose the secondary tax code that applies to your combined annual income. The full NZ Tax Codes guide explains the secondary-code bands.
Why does the result show PAYE and ACC?
PAYE is income tax withheld from salary or wages. The ACC earners' levy is also normally deducted through payroll, so both affect take-home pay.
Does this replace an IRD calculation or payroll software?
No. It is an estimate for planning. Confirm payroll decisions with Inland Revenue guidance or payroll software.
IRD source and disclaimer
Rates and payroll guidance are checked against Inland Revenue. Read IRD's payday filing guidance.
This calculator provides estimates only. It annualises the selected pay frequency, uses the chosen tax code, and applies standard settings for the selected tax year. Actual payroll deductions can differ.