PAYE income tax, ACC levy, KiwiSaver, student loan and IETC — your exact take-home pay by week, fortnight, month or year, on 2026/27 IRD rates.
Your income
NZ income tax 2026/27 — real take-home pay
Your salary or wage
$
hrs
KiwiSaver
Student loan
$
Independent Earner Tax Credit
The IETC adds up to $520/year for incomes between $24,000 and $70,000, if you don't get Working for Families, a benefit or NZ Super. We apply it automatically when you qualify.
Secondary income
$
We combine both incomes and tax the total at your real annual rate. During the year your second job is withheld at the secondary code shown below — IRD squares it up to this figure.
Your take-home pay
$0
after all deductions
Breakdown
Hour
Week
Fortnight
Month
Year
Amounts in NZD ($), based on a full tax year
Your tax code
M
Effective tax rate
0%
Where your money goes
How your income is taxed
Tax band
Rate
Your income
Tax
Effective tax rate
0%
income tax + ACC ÷ gross
Top marginal rate
0%
tax on your next dollar
Total deductions
$0
per year
Employer KiwiSaver
$0
paid on top of salary
Estimate only. This calculator uses standard NZ 2026/27 IRD rates (1 April 2026 – 31 March 2027): income tax brackets 10.5%–39%, ACC earner levy 1.75% (capped at $156,641), student loan 12% over $24,128, KiwiSaver from 3.5%, and IETC up to $520. It assumes you're a NZ tax resident in salaried/waged employment for a full year. Your actual deductions depend on your tax code, pay timing and circumstances. This is general information, not financial or tax advice — for your exact position, check with IRD or a registered tax agent.