New Zealand Financial Calculators
1 calculator · reported in NZD
Calculators built around New Zealand's own rules. The relevant authority is Inland Revenue (IRD). Every tool runs entirely in your browser, so the numbers you type are never uploaded.
New Zealand calculators
Tax facts at a glance
- PAYE brackets for 2025/26 are 10.5%, 17.5%, 30%, 33% and 39%.
- The ACC earners' levy is 1.67% of earnings up to the annual cap.
- KiwiSaver employee contributions of 3%, 4%, 6%, 8% or 10% come out of your pay.
- Employer KiwiSaver contributions go into your account on top of your salary and are taxed through ESCT.
- The student loan repayment rate is 12% of income above the annual repayment threshold.
Figures reflect the published rates for the current tax year and are estimates rather than filing advice on their own.
Frequently asked questions
Why is the ACC levy on my payslip?
The earners' levy funds accident cover and is collected through PAYE on your behalf, which is why it appears as a separate deduction from gross pay.
How does KiwiSaver change my take-home pay?
Your chosen employee rate is deducted from gross pay, so a higher rate lowers take-home pay while increasing your retirement savings.
Is the employer contribution included in my net pay?
No. Employer KiwiSaver contributions are paid into your KiwiSaver account in addition to your salary and are taxed through ESCT before they reach the fund.
These calculators provide planning estimates, not tax advice. Verify every figure with the official guidance published by Inland Revenue (IRD) before you file or sign a contract.
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