What’s your take-home pay?
Your pay after PAYE, ACC, KiwiSaver and your student loan, every week, fortnight, month and year.
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- Calculates in your browser
Common questions
How is take-home pay worked out?
Your gross pay, less PAYE income tax (10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, 39% above), the 1.75% ACC earners’ levy, KiwiSaver and any student loan repayment.
What changed for KiwiSaver in 2026?
From 1 April 2026 the default contribution is 3.5% from you and 3.5% from your employer, rising to 4% in 2028. The government adds 25c for every dollar you put in, up to $260.72 a year, unless you earn over $180,000.
Who gets the independent earner tax credit?
People earning between $24,000 and $70,000 who don’t get Working for Families, a benefit or NZ Super. It’s $520 a year, less 13c for each dollar over $66,000, and you claim it with tax code ME.
How much do I repay on my student loan?
12% of everything you earn over $24,128 a year, taken from each pay with tax code M SL.