How do I compare two salary offers in NZ?

Compare the after-tax take-home pay rather than gross salaries. Account for differences in KiwiSaver employer contributions, benefits, and any salary sacrifice arrangements to get a true comparison.

Does KiwiSaver affect salary comparison?

Yes. If an employee contributes to KiwiSaver, their employer must also contribute at least 3%, which adds to total compensation. Different employee contribution rates (3%-10%) also change take-home pay, making it important to compare net figures.

Salary Comparison

Compare two salary scenarios side-by-side

Quick compare:

Scenario A

Type

Gross salary

KiwiSaver

Student loan

Scenario B

Type

Gross salary

KiwiSaver

Student loan

	A PAYE	B PAYE	Difference
Gross
Expenses
Taxable income
Income Tax
ACC
KiwiSaver
Student loan
Net annual
Net monthly
Net fortnightly
Net weekly
% difference

PAYE Calculator Contractor Calculator Reverse Calculator

These calculations are provided as a guide only. Actual amounts may vary based on your specific tax situation.

Salary Comparison Calculator

Compare two salary scenarios side by side. See the difference in take-home pay between a pay rise, PAYE vs contractor rates, or different KiwiSaver contribution levels.

Enter your details above or use one of the quick compare presets to get started.