Introduction
This free PAYE calculator helps you work out your take-home pay in New Zealand. Enter your income, and it will show you how much tax you owe, what your ACC levy costs, and what lands in your bank account. It covers KiwiSaver, student loan repayments, and secondary income tax codes. You can view results as weekly, fortnightly, monthly, or annual amounts. The calculator uses the latest NZ tax rates for the 2024–25 tax year, and you can adjust the tax bands if you need to check older years. Whether you earn a salary or an hourly wage, this tool gives you a clear breakdown of your pay after tax in just seconds. If you need to convert between salary and hourly figures, try our Salary to Hourly Calculator or Hourly to Salary Calculator.
How to Use Our PAYE Calculator
Enter your income details below to find out how much tax you pay and how much money you take home. The calculator shows your net pay per year, month, fortnight, week, and hour.
Gross Income: Type in the amount of money you earn before any tax or deductions are taken out. If you need help working out your total yearly earnings, our Annual Income Calculator can help.
Income Frequency: Pick how often you get paid. Choose from Hourly, Weekly, Fortnightly, Monthly, or Annually. Select Auto and the calculator will guess the best match based on the amount you entered.
KiwiSaver: Tick this box if you pay into KiwiSaver. Open the Deductions panel to change your contribution rate between 3%, 4%, 6%, 8%, or 10%.
Student Loan: Tick this box if you have a student loan. The calculator takes off 12% of your income above the repayment threshold. You can change the rate and threshold in the Deductions panel. For more details on loan repayment planning, see our Student Loan Calculator.
Secondary Income: Tick this box if this is your second job. Enter your primary job income in the Deductions panel so the correct secondary tax rate is applied.
Hours per Week: Enter how many hours you work each week. This is used to work out your hourly pay rate. The default is 40 hours. You can also use our Work Hours Calculator to track your weekly hours.
Enable Proration: Tick this box if you work part-time. Enter your contracted hours per week and the calculator will adjust your income to match.
Overtime Hours/Week: Enter how many overtime hours you work each week. Set the overtime multiplier to show how much extra you earn per overtime hour, such as 1.5 for time-and-a-half. Our dedicated Overtime Calculator can give you a more detailed overtime breakdown.
Casual Holiday Pay: Tick this box if you get holiday pay added to each pay. Enter the holiday pay percentage, which is usually 8%.
Apply Pay Rise: Tick this box to see what your pay looks like after a raise. Enter the pay rise percentage to add it to your gross income. You can also explore different raise scenarios with our Pay Raise Calculator.
Historical Year Preset: Pick a tax year to load the correct PAYE tax brackets. The default is the current 2024–25 year. You can also edit each tax band by hand in the table below.
ACC Earner Levy Rate: This is the ACC levy taken from your pay. The default rate is 1.60% and only applies up to the maximum liable earnings cap, which you can also change.
Press the Calculate button to see your results. Press Reset to clear all fields and start over.
What Is PAYE Tax in New Zealand?
PAYE stands for Pay As You Earn. It is the income tax your employer takes out of your pay before you receive it. Every time you get paid, a portion goes to Inland Revenue (IRD) to cover your tax bill. This means you do not have to pay a large lump sum at the end of the year. For a broader look at how income tax works across different systems, our Income Tax Calculator is a useful companion tool.
How NZ Income Tax Bands Work
New Zealand uses a progressive tax system. This means different portions of your income are taxed at different rates. The more you earn, the higher the rate on the top portion. For the 2024–25 tax year, the rates are:
- 10.5% on income from $0 to $15,600
- 17.5% on income from $15,601 to $53,500
- 30% on income from $53,501 to $78,100
- 33% on income from $78,101 to $180,000
- 39% on income over $180,000
Only the money in each bracket is taxed at that bracket's rate. For example, if you earn $60,000, you do not pay 30% on the full amount. You pay 10.5% on the first $15,600, then 17.5% on the next portion, and 30% only on the amount above $53,500. You can explore how brackets affect your bill with our Tax Bracket Calculator or check your overall burden using the Effective Tax Rate Calculator.
Other Deductions From Your Pay
ACC Earner Levy is a small charge that helps fund New Zealand's accident compensation scheme. For 2024–25, the rate is 1.60% on earnings up to $142,283.
KiwiSaver is a retirement savings scheme. If you are enrolled, your employer deducts your chosen rate (3%, 4%, 6%, 8%, or 10%) from your gross pay and puts it into your KiwiSaver account. Planning for retirement? Our Retirement Calculator can help you see the bigger picture, and the Compound Interest Calculator shows how your KiwiSaver balance grows over time.
Student Loan repayments apply if you have a student loan from StudyLink. You pay 12% on every dollar you earn above the annual threshold of $24,128. To map out a full repayment plan, use our Debt Payoff Calculator.
Secondary Income Tax
If you have a second job, that income is taxed using a secondary tax code. The rate depends on your combined income from both jobs. Secondary tax ensures you pay the right amount across all your earnings so you are less likely to have a tax bill at the end of the year.
What Is Take-Home Pay?
Take-home pay is the money you actually receive after all deductions. It is your gross income minus PAYE tax, ACC levy, KiwiSaver contributions, and any student loan repayments. This calculator shows you exactly how much you keep from every dollar you earn. For a general take-home estimate across different countries, you can also try our Take Home Pay Calculator. If you want to work backwards from your net pay to find the gross amount, our Net to Gross Calculator does exactly that. You may also find our Salary Calculator, Biweekly Paycheck Calculator, or Weekly Pay Calculator helpful for understanding your pay across different periods.