How is PAYE calculated in New Zealand?

PAYE is calculated using progressive tax brackets. Income up to $15,600 is taxed at 10.5%, $15,601-$53,500 at 17.5%, $53,501-$78,100 at 30%, $78,101-$180,000 at 33%, and income over $180,000 at 39%.

What deductions are taken from my salary in NZ?

Common deductions include PAYE income tax, ACC earner's levy, KiwiSaver contributions (3%, 4%, 6%, 8%, or 10%), and student loan repayments (12% on income over the repayment threshold) if applicable.

Do I need to file a tax return in New Zealand?

Most salary and wage earners do not need to file a tax return as PAYE is deducted automatically. IRD will send you an income tax assessment after the tax year ends and issue any refund or bill automatically.

NZ Tax Calculator

Calculate your tax and kiwisaver payments

Income Tax Calculator

Gross salary

Pay frequency

KiwiSaver

Student loan

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Your take-home pay

per year

Effective rate:

Marginal rate:

Payment breakdown

Period	Gross	Net
annual
monthly
fortnightly
weekly
daily
hourly

Salary breakdown

Deductions

PAYE Tax

ACC Levy

KiwiSaver (you)

KiwiSaver (employer)

Rate	Income	Tax

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These calculations are provided as a guide only. Actual amounts may vary. Please refer to Inland Revenue for exact tax liability.

Calculations exclude benefits and other tax credits such as Working for Families.

How to use the NZ Income Tax Calculator

Enter your gross salary and we'll show you a detailed breakdown of your PAYE tax, ACC levy, KiwiSaver contributions, and student loan deductions.

Results update automatically as you type. Try different KiwiSaver rates and frequencies to see the impact on your take-home pay.

Example salary calculations

$40,000 $70,000 $100,000 $130,000