NZ rates — FY 2026/27

NZ PAY CHECK

Calculate your real take-home pay.

Enter your pay details to estimate your take-home pay after income tax, ACC, KiwiSaver and student-loan deductions.

Your pay setup

Pay cycle
Income type

Deductions

KiwiSaver contribution

3.5% is the current default rate. 3% is only available if you are using the temporary rate reduction.

Student loan
Include extra pay?
Include a pay rise?

Take-home pay

$0.00

per week

Annual take-home
$0.00
Real hourly pay

Carry over your pay cycle and take-home pay.

Before deductions

Gross pay

$0.00 per week

Before income tax and any selected deductions.

Annual salary equivalent

$0.00 per year

Based on your hourly rate and hours over 52 weeks.

Total deductions

Gross pay breakdown

Gross pay breakdown is empty until you enter your pay details.

  • Take-home pay$0.00
  • Income tax$0.00
  • KiwiSaver$0.00
  • ACC levy$0.00
  • Student loan$0.00
Total deductions per week$0.00

Tax rates

Effective income-tax rate
Marginal income-tax rate10.50%
Total deductions rate

Estimated annual income tax

$0.00

Based on earning at this rate for a full year. Excludes ACC, KiwiSaver and student loan repayments.

Where it goes

Government take per week$0.00
Savings — KiwiSaver per week$0.00

Government take includes income tax, ACC and student-loan repayments. KiwiSaver is shown separately because it remains your money.