PAYE Calculator NZ – Calculate Your Take Home Pay
Kia ora! Use our PAYE Calculator NZ to see your take-home pay fast. Enter your salary or hourly wage. We calculate tax, KiwiSaver, ACC, and student loans in seconds. Our tool uses 2025 IRD rates for accurate results. No sign-up needed free and easy for employees, employers, or self employed Kiwis. Try our pay calculator NZ now and know your pay packet.
Plan your Budget with our New Zealand Pay Calculator.
Calculate Your Take Home Pay in Seconds
Use our free PAYE Calculator NZ to see your net pay after tax, KiwiSaver, ACC, and more. Powered by 2025 IRD rates.
How to Use Our PAYE Calculator
Kia ora! Our PAYE Calculator NZ makes tax calculations easy. Follow these steps to see your take-home pay fast. Enter your details, get results instantly, and plan your budget with confidence. We use 2025 IRD rates for accuracy.
What’s Your Income?
Enter your hourly wage, weekly pay, or annual salary. Our pay calculator NZ handles all income types.
Example: Earn $30/hour for 40 hours/week? Type it in!
Tooltip: Check your payslip for your wage or salary details.
How Often Are You Paid?
Choose weekly, fortnightly, monthly, or annually. This sets your pay cycle.
Example: Paid fortnightly? Select it for accurate weekly pay calculator NZ results.
Tooltip: Match your pay frequency to your payslip.
Which Tax Year Applies?
Select 2025–2026 for the latest IRD rates. Past years are available too.
Example: Use 2025 rates for your current job’s paye calculator ird nz results.
Tooltip: Most users choose the current tax year.
Your KiwiSaver Contribution Rate
Pick 3%, 4%, 6%, 8%, 10%, or opt-out. KiwiSaver saves for your future.
Example: Choose 8% to boost retirement or home savings.
Tooltip: Not in KiwiSaver? Select “opt-out” for no deductions.
Do You Have a Student Loan?
Answer yes or no. We apply 12% on income above $24,128 (2025 threshold).
Example: Got a student loan? See its impact on your pay calculator results.
Tooltip: Check your loan status on myIR.
Secondary Income?
Select a secondary tax code (e.g., SB, S) if you have multiple jobs.
Example: Earn extra from a side gig? Pick the right code.
Tooltip: Find your tax code on IRD’s tax code guide.
Payroll Giving or Donations?
Add donations for tax credits. Optional, but saves you money.
Example: Donate $500/year? Get a tax credit with our paye salary calculator.
Tooltip: Payroll giving reduces your taxable income.
Try our ird paye calculator now! Calculate my paye and see your earnings clearly.
Your PAYE Breakdown: What’s Deducted from Your Pay?
Kia ora! Our PAYE tax calculator NZ shows exactly what comes out of your pay. We break down tax, ACC, KiwiSaver, and more. All calculations use 2025 IRD rates for accuracy. See your net pay clearly and plan your budget.
PAYE Income Tax
NZ taxes income at progressive rates. For 2025, you pay 10.5% on $0–$15,600, up to 39% over $180,000.
Example: On $100,000, you pay $22,990 in tax.
Source: IRD Tax Rates.
ACC Levies
ACC covers non-work injuries. It’s $1.60 per $100 earned, capped at $150,988.
Example: For $100,000, ACC takes $1,600.
Source: ACC Levy Rates.
KiwiSaver Contributions
You choose 3%, 4%, 6%, 8%, or 10%. Employers match up to 3%. Saves for retirement or a first home.
Example: At 8% on $100,000, you contribute $8,000; employer adds $3,000.
Student Loan Repayments
Got a student loan? Pay 12% on income above $24,128 (2025 threshold).
Example: On $100,000, you repay $9,110.
Source: IRD Student Loan.
Independent Earner Tax Credit (IETC)
Earn $24,000–$70,000? Get $520–$1,040 tax credit yearly.
Example: On $50,000, claim $520 credit.
Source: IRD IETC.
Payroll Giving
Donate through payroll, get tax credits. Reduces your taxable income.
Example: Donate $500, save up to $166.50 in tax.
Example Breakdown: $100,000 Salary
- Gross Pay: $100,000
- PAYE Tax: $22,990
- ACC Levy: $1,600
- KiwiSaver (8%): $8,000
- Student Loan: $9,110
- Net Pay: $58,290 (plus $520 IETC, if eligible)
Use our net pay calculator NZ to see your pay after tax calculator results. Calculate my paye tax now!
Citations:
- Inland Revenue: Individual Income Tax Rates
NZ PAYE Tax Brackets: How They Work in 2025
Kia ora! Our PAYE tax calculator NZ explains how tax brackets work. NZ uses progressive tax rates for 2025. Your income splits into brackets, each taxed differently. We use 2025 IRD rates for accuracy. Understand your tax and plan smarter with our inland revenue paye calculator.
2025–2026 Tax Rates
NZ taxes income in tiers. Higher income means higher rates. Here are the 2025 brackets:
- $0–$15,600: 10.5%
- $15,601–$53,500: 17.5%
- $53,501–$78,100: 30%
- $78,101–$180,000: 33%
- $180,001+: 39%
Example: Earn $50,000? First $15,600 at 10.5%, next $34,400 at 17.5%.
Source: IRD Tax Rates
Secondary Income Tax Codes
Got multiple jobs? Use a secondary tax code (SB, S, SH, ST) for extra income.
- SB: For income up to $15,600 (10.5%).
- S: For income $15,601–$53,500 (17.5%).
- SH: For income $53,501–$78,100 (30%).
- ST: For income $78,101+ (33% or 39%).
Example: Main job $40,000, side gig $10,000? Use S code for side gig.
Tooltip: Check your code on IRD’s tax code guide.
Recent Tax Changes
Budget 2025 updates ease tax burdens:
- Thresholds: No changes to brackets from 2024, but composite rates apply until March 31, 2025.
- Working for Families: Boosted credits for families earning under $180,000.
- KiwiSaver: No rate changes, but focus on first-home savings.
Example: Family earning $60,000 gets extra $50/week from credits.
Source: Budget 2025
2024 vs. 2025 Tax Brackets
| Income Range | 2024 Rate | 2025 Rate |
| $0–$14,000 | 10.5% | 10.5% |
| $14,001–$48,000 | 17.5% | 17.5% |
| $48,001–$70,000 | 30% | 30% |
| $70,001–$180,000 | 33% | 33% |
| $180,001+ | 39% | 39% |
| Note: 2024 thresholds adjusted July 31, 2024; 2025 rates effective April 1, 2025. |
Example Breakdown: $50,000 Salary
- $15,600 × 10.5% = $1,638
- $34,400 × 17.5% = $6,020
- Total Tax: $7,658
Use our pay tax calculator to see your split!
Simplify Payroll with Our PAYE Calculator (For Employers)
Kia ora! Our payroll calculator NZ makes paying employees easy. Handle PAYE, ACC, KiwiSaver, and student loans effortlessly. File with Inland Revenue via myIR. Use our employer PAYE calculator for accurate results. Save time and stay compliant with 2025 IRD rules.
Your Payroll Responsibilities
Deduct PAYE, ACC, KiwiSaver, and student loans from employee wages. File deductions via myIR. Register as an employer with IRD’s IR334 form. Submit employee details like tax codes (IR330).
Example: Pay a $60,000 employee? See deductions instantly.
Source: IRD Employer Registration
Employer Superannuation Contribution Tax (ESCT)
Pay ESCT on KiwiSaver contributions. Rates range from 10.5% to 39%, based on employee salary.
Example: For $60,000 salary, ESCT at 17.5% is $525 on 3% contribution.
Source: IRD ESCT Rates
Payday Filing
File PAYE electronically if deductions exceed $50,000 yearly. Use myIR or payroll software. Submit within two days of payday. Paper filing allowed for smaller businesses.
Example: Pay weekly? File every Friday via myIR.
Source: IRD Payday Filing
Use our inland revenue pay calculator to streamline payroll. Get accurate deductions now!
Citations:
- Inland Revenue: Employer Responsibilities
For Self-Employed and Contractors: Estimate Your Tax
Kia ora! Our self-employed tax calculator NZ helps freelancers and contractors estimate taxes. Calculate schedular payments, ACC levies, and provisional tax easily. Use our ird pay calculator for accurate 2025 results. Stay on top of your contractor PAYE NZ obligations
Schedular Payments
Contractors get schedular payments with tax deducted at source. Rates range from 10% to 100%; you choose based on income. Excludes ACC and KiwiSaver.
Example: Freelancer earning $80,000? Pick a 20% rate for $16,000 tax withheld.
Source: IRD Schedular Payments
ACC Levies for Self-Employed
Pay ACC levies for injury cover. Choose CoverPlus (80% of last year’s income) or CoverPlus Extra (set your cover level). Rates depend on industry risk.
Example: $80,000 income, medium-risk industry? Pay ~$2,080 (Earners’ $1,160, Work $840, Safer $80).
Source: ACC Levy Estimator
Provisional Tax Estimator
Pay provisional tax quarterly if expected tax exceeds $5,000. Based on net profit after expenses. File via IR3 return.
Example: $80,000 income, $20,000 expenses? Tax on $60,000 is ~$14,350, paid in three instalments.
Source: IRD Provisional Tax
Additional Calculators for Kiwis
Kia ora! Our extra tools make financial planning easy. Use our holiday pay calculator NZ, pay raise calculator, and final pay calculator NZ to manage your money. All align with 2025 IRD rules for accuracy. Plan smarter with these free calculators
Holiday Pay Calculator NZ
Calculate 8% holiday pay based on your earnings. Perfect for casual or fixed-term workers.
Example: Earn $20,000? Get $1,600 holiday pay.
How it works: Enter gross earnings; we multiply by 8% per the Holidays Act 2003.
Link: Try our holiday pay 8 percent NZ calculator now!
Source: Employment NZ: Holiday Pay
Pay Raise Calculator NZ
See how a pay raise affects your take-home pay. Includes PAYE, ACC, and KiwiSaver.
Example: Planning a raise from $60,000 to $65,000? Check your new net pay.
How it works: Input current and new salary; see deductions and take-home pay.
Link: Use our pay raise calculator to plan your budget!
Source: IRD Tax Rates
Final Pay Calculator NZ
Estimate final pay, including wages, unused annual leave, and holiday pay.
Example: Leaving a $50,000 job with 2 weeks’ leave? See your final payout.
How it works: Enter wages, leave balance, and work period; we calculate 8% holiday pay and leave.
Link: Try our final pay calculator NZ for accurate results!
Source: Employment NZ: Final Pay
Use these tools to answer “how to calculate holiday pay NZ” and more. Budget with confidence!
Plan Your Finances: Budgeting with Your Take-Home Pay
Kia ora! Use our PAYE calculator NZ to know your take-home pay and plan your finances. Budget smarter, save for a home, or compare job offers. Our new zealand pay calculator uses 2025 IRD rates for accuracy. Start today with our free tools!
Budgeting with Your Net Pay
Know your net pay, then budget wisely. Save 20% for goals, spend 50% on needs, 30% on wants. Track expenses weekly. Use our interactive budget planner.
Example: Net pay $3,000/month? Save $600, spend $1,500 on rent/food, $900 on fun.
Link: Download our budget planner PDF.
Source: Sorted: Budgeting Guide
KiwiSaver for First Home Buyers
KiwiSaver contributions help buy your first home. Choose 3%–10% rates. Higher rates mean faster savings. Get up to $5,210 government help.
Example: Increase KiwiSaver to 8% for quicker home deposit savings.
Source: KiwiSaver First-Home Withdrawal
Comparing Job Offers
Use our calculate my pay NZ tool to compare job offers. See take-home pay after tax, ACC, KiwiSaver. Pick the best deal.
Example: Job A: $60,000, Job B: $65,000. Check which gives more net pay.
Link: Try our job comparison tool now!
Why Trust Our PAYE Calculator?
Kia ora! Our PAYE calculator New Zealand is your go-to for accurate pay calculations. We’re Kiwi-owned, use 2025 IRD data, and make taxes simple. Trust our ird pay calculator for fast, reliable results. Check out why Kiwis love us!
Backed by IRD Data
Our tool uses 2025 IRD tax rates and follows IR330/IR340 form guidelines. Get accurate tax, KiwiSaver, and ACC results.
Example: Calculate your $50,000 salary with confidence.
Source: IRD Tax Rates
Kiwi-Owned and Operated
We’re a New Zealand team, here to help Kiwis like you. Our trusted PAYE calculator NZ understands local needs.
Example: Built by Kiwis for employees, employers, and freelancers.
Source: Our Team
User Reviews
Kiwis say it best: “Easier than IRD’s tool!” and “Saved me hours on payroll!”
Example: “Quick, clear, and spot-on for my pay!” – Sarah, Auckland.
Note: Mobile-friendly with dark mode and screen reader support.
Choose our trusted NZ tax tool. Try the best PAYE calculator NZ now
Frequently Asked Questions (FAQs)
Kia ora! Got questions about your pay? Our PAYE calculator NZ answers them clearly. Use our inland revenue paye calculator to calculate my paye easily. We use 2025 IRD rates for accuracy. Find simple answers below to plan your finances.
Advanced Features for Power Users
Kia ora Our advanced PAYE calculator NZ empowers employers and accountants with precise tools. Tailor calculations, save results, and stay compliant with 2025 IRD rates. Use our pay per hour calculator and final pay calculator NZ for custom needs. Boost efficiency now!
Combine PAYE and ACC
Show PAYE and ACC levies combined or separate. Match IRD’s format or split for clarity.
Example: Combine for $60,000 salary shows $8,410 total deductions.
Tooltip: Choose “combined” for IRD-style reports.
Source: IRD PAYE Deductions
Custom Income Frequencies
Adjust for irregular pay periods, like one-off bonuses or casual work. Set daily, weekly, or custom cycles.
Example: Paid $5,000 monthly plus $2,000 bonus? Add both for accurate tax.
Tooltip: Enter custom periods for precise pay per hour calculator results.
Reset to Default Rates
Revert to 2025 IRD tax rates and settings with one click. Ensures accuracy for standard calculations.
Example: Reset to calculate $50,000 salary with default 3% KiwiSaver.
Tooltip: Use reset for quick, standard tax setups.
Downloadable Results
Save your tax breakdown as PDF or CSV. Perfect for payroll records or accounting.
Example: Export $100,000 salary breakdown for audits or budgeting.
Tooltip: Download final pay calculator NZ results for easy sharing.
Source: IRD Payday Filing
Our advanced PAYE calculator NZ ensures IRD-aligned accuracy. Download your tax breakdown NZ now!
About Us: Your NZ Tax Experts
Kia ora! We’re a Kiwi team passionate about simplifying taxes. Our PAYE calculator New Zealand delivers accurate, easy results. Based in NZ, we partner with local accountants and follow IRD rules. Trusted by 10,000+ Kiwis, we’re your go-to NZ tax experts!
Our Mission
We make taxes simple for employees, employers, and freelancers. Our tool uses 2025 IRD rates for precision.
Example: Helping Kiwis budget with clear take-home pay results.
Source: IRD Tax Rates
Kiwi Roots, Local Trust
Born in New Zealand, we understand Kiwi needs. Our team works with local accountants for expert advice.
Example: Collaborating with Auckland firms for payroll accuracy.
Note: Fully compliant with IRD’s IR330 and IR340 forms.
Why Kiwis Trust Us
Over 10,000 Kiwis use our trusted PAYE calculator NZ. Hear them: “Fast, clear, and reliable!” – Tane, Wellington.
Example: Employers save hours on payroll; workers plan budgets easily.
The Fine Print: Transparency Matters
Kia ora! We’re open about how our PAYE calculator NZ works. Our inland revenue paye calculator uses 2025 IRD rates for accuracy. We explain our funding and limits clearly. Trust us to keep things simple and honest!
How We’re Funded
We earn small commissions from KiwiSaver partner sign-ups. Ads may also support our free ird paye calculator.
Example: You join KiwiSaver via our link; we get a small fee.
Note: No cost to you; our tool stays free.
Disclaimer
Our calculator provides estimates using 2025 IRD rates. It’s not financial advice. Consult an accountant for complex cases.