New Zealand benefit programs
Eligibility is not calculated from the current salary and household inputs.
TaxCalcy.
New Zealand · Auckland
Know what you keep.
Compare what matters.
Choose a country and enter your income. See your take-home pay in seconds.
Let’s start with your income.Your income, clearly.
Customize your estimate
Your estimated take-home · NZD
NZ$5,465/ month
Your take-home, calculatedAucklandNZD
You keep
2026-27
NZ$5,465 / month
That’s NZ$65,585 per year, or 77.2% of your gross income.
Your pay splitMonthly view
For every NZ$1 of income, about NZ$0.77 goes to you.
View take-home as
- Gross / month
- NZ$7,083
- Take-home
- NZ$5,46577.2%
- Income tax
- NZ$1,49421.1%
- Payroll
- NZ$1241.8%
- Gross income
- NZ$85,000
- 100%
- Total deducted
- NZ$19,415
- 22.8%
- Estimated take-home
- NZ$65,585
- 77.2%
Where the NZ$19,415 goes
NZ$19,415Total deducted22.8%of gross income
| Deduction | Annual amount | % of gross |
|---|---|---|
| National / federal tax | NZ$17,928 | 21.1% |
| ACC earners' levy | NZ$1,488 | 1.8% |
Scroll horizontally to view the chart and all table columns.
Benefits are separate. Before any planned post-tax savings.
Explore contribution tax savings
Contribution tax savings
See what contributions could save you.
Add a supported deductible contribution above to see its estimated tax saving and net cost.
- Tax savings so far
- NZ$0
- Net cost after tax savings
- NZ$0
Only supported deductible contributions reduce the modeled income tax. Available after planned savings: NZ$65,585 / year. Employer contributions and investment returns are not included.
Explore benefit programs · separate from take-home
Beyond your paycheque
Benefits you may be eligible for.
These are not included in your take-home estimate. Review the official eligibility details for each program.
View benefit programs
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and limits behind your estimate.
Model period 2026-27Reviewed 2026-09-27Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · NZD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated taxable salary
- NZ$85,000.00
- National / federal tax after modeled relief
- NZ$17,927.50
Employee payroll deductions
- ACC earners' levy
- NZ$1,487.50
Result reconciliation
- Annual gross income
- NZ$85,000.00
- Income tax
- NZ$17,927.50
- Employee payroll contributions
- NZ$1,487.50
- Planned contributions
- NZ$0.00
- Total deducted
- NZ$19,415.00
- Annual take-home
- NZ$65,585.00
- Post-tax savings
- NZ$0.00
- Available after savings
- NZ$65,585.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Full-year ordinary-salary estimate for 1 April 2026-31 March 2027; PAYE uses tax codes and pay-period rounding.
- Student-loan deductions support one primary job with the standard repayment rate and the selected or income-derived payroll period. Secondary jobs, special rates, exemptions and final-balance notices are excluded.
- Secondary tax codes, tailored rates, Working for Families and other personal adjustments are excluded.
- KiwiSaver membership and contribution rate are not inferred. Entered retirement is a cash deduction only and does not determine the required KiwiSaver amount; employer contributions and ESCT are excluded.
4coverage items
3limitations
4reference sources
Coverage
- 2026-27 national ordinary-salary tax bands for all five selectable New Zealand regions
- ACC earners' levy at 1.75% up to $156,641 liable earnings
- User-entered retirement cash contribution without inferred KiwiSaver entitlement or tax relief
- Standard M SL or ME SL primary-job student-loan payroll deduction for supported payroll periods
Limitations
- Secondary-job student-loan codes, special deduction rates, exemptions, final-balance notices, secondary or tailored tax codes, Working for Families and other personal credits
- KiwiSaver membership, selected rate, employer contribution and ESCT
- Other deductions and exact pay-period withholding
Key assumptions
- Full-year New Zealand resident employee with one ordinary salary source and standard tax code
- Selected region does not change the national salary tax and ACC formulas in this model
- Period is 1 April 2026 to 31 March 2027; annual liability differs from exact PAYE
- Student-loan payroll assumes one primary job with steady pay and the selected or income-derived weekly, fortnightly, four-weekly or monthly period
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "nz-2026-27-927d608f333c"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Inland Revenue · Tax rates for individuals Primary source reviewed
10.5%, 17.5%, 30%, 33% and 39% marginal bands. Full-year salary estimate, not pay-period PAYE.
New Zealand · 2026-27 · National progressive income tax from 1 April 2025, applicable in 2026-27 · Reviewed 2026-09-26Inland Revenue · 2026-27 PAYE ACC earners' levy Primary source reviewed
The 2026-27 PAYE table states 1.75% ACC levy and $156,641 maximum liable earnings; annual salary approximation excludes pay-period anomalies.
New Zealand · 2026-27 · 1.75% earners' levy to $156,641 liable earnings · Reviewed 2026-09-26Inland Revenue · KiwiSaver changes from 1 April 2026 Primary source reviewed
Default employee and employer rates rise to 3.5%, with temporary 3% reduction and other choices. The model does not infer membership or rate; an entered retirement amount affects cash only.
New Zealand · 2026-27 · Employee KiwiSaver contribution choice and employer distinction · Reviewed 2026-09-26New total salary and additional gross income are separate scenarios. They are not added together.
A little more income
How much of your next NZ$1,000 do you keep?
Explore additional annual gross income for your current tax period.
Estimated extra take-home · annualNZ$653
65.3% keptNZ$54 per month
Additional income deductions
Each scenario recalculates your full estimate, including modeled thresholds. It is not simply extra income multiplied by one tax rate.
Explore your next move
What if you earned more?
New salary: compare your current salary with a proposed annual salary.
Current annual salary: NZ$85,000
No salary change
Compare current and proposed monthly pay
Current monthly take-homeNZ$5,465
New monthly take-homeNZ$5,465
Estimated annual take-home change
NZ$0No estimated changeNZ$0 per month
Annual salary change breakdown
Annual breakdown
- Current annual gross
- NZ$85,000
- Proposed annual gross
- NZ$85,000
- Gross salary change
- NZ$0
- Tax + payroll change
- NZ$0
Positive deduction changes mean more deductions; negative means fewer. The scenario recalculates your estimate using the same model and assumptions.
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and sources for this estimate.
Model period 2026-27Reviewed 2026-09-27Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Current annual estimate
All amounts below are NZD per year. This is the baseline calculation used to compare the two scenarios.
Income and annualization
- Income entered
- NZ$85,000.00 / annual
- Annualized gross income
- NZ$85,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · NZD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated taxable salary
- NZ$85,000.00
- National / federal tax after modeled relief
- NZ$17,927.50
Employee payroll deductions
- ACC earners' levy
- NZ$1,487.50
Result reconciliation
- Annual gross income
- NZ$85,000.00
- Income tax
- NZ$17,927.50
- Employee payroll contributions
- NZ$1,487.50
- Planned contributions
- NZ$0.00
- Total deducted
- NZ$19,415.00
- Annual take-home
- NZ$65,585.00
- Post-tax savings
- NZ$0.00
- Available after savings
- NZ$65,585.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Full-year ordinary-salary estimate for 1 April 2026-31 March 2027; PAYE uses tax codes and pay-period rounding.
- Student-loan deductions support one primary job with the standard repayment rate and the selected or income-derived payroll period. Secondary jobs, special rates, exemptions and final-balance notices are excluded.
- Secondary tax codes, tailored rates, Working for Families and other personal adjustments are excluded.
- KiwiSaver membership and contribution rate are not inferred. Entered retirement is a cash deduction only and does not determine the required KiwiSaver amount; employer contributions and ESCT are excluded.
4coverage items
3limitations
4reference sources
Coverage
- 2026-27 national ordinary-salary tax bands for all five selectable New Zealand regions
- ACC earners' levy at 1.75% up to $156,641 liable earnings
- User-entered retirement cash contribution without inferred KiwiSaver entitlement or tax relief
- Standard M SL or ME SL primary-job student-loan payroll deduction for supported payroll periods
Limitations
- Secondary-job student-loan codes, special deduction rates, exemptions, final-balance notices, secondary or tailored tax codes, Working for Families and other personal credits
- KiwiSaver membership, selected rate, employer contribution and ESCT
- Other deductions and exact pay-period withholding
Key assumptions
- Full-year New Zealand resident employee with one ordinary salary source and standard tax code
- Selected region does not change the national salary tax and ACC formulas in this model
- Period is 1 April 2026 to 31 March 2027; annual liability differs from exact PAYE
- Student-loan payroll assumes one primary job with steady pay and the selected or income-derived weekly, fortnightly, four-weekly or monthly period
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "nz-2026-27-927d608f333c"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Inland Revenue · Tax rates for individuals Primary source reviewed
10.5%, 17.5%, 30%, 33% and 39% marginal bands. Full-year salary estimate, not pay-period PAYE.
New Zealand · 2026-27 · National progressive income tax from 1 April 2025, applicable in 2026-27 · Reviewed 2026-09-26Inland Revenue · 2026-27 PAYE ACC earners' levy Primary source reviewed
The 2026-27 PAYE table states 1.75% ACC levy and $156,641 maximum liable earnings; annual salary approximation excludes pay-period anomalies.
New Zealand · 2026-27 · 1.75% earners' levy to $156,641 liable earnings · Reviewed 2026-09-26Inland Revenue · KiwiSaver changes from 1 April 2026 Primary source reviewed
Default employee and employer rates rise to 3.5%, with temporary 3% reduction and other choices. The model does not infer membership or rate; an entered retirement amount affects cash only.
New Zealand · 2026-27 · Employee KiwiSaver contribution choice and employer distinction · Reviewed 2026-09-26The details behind the number
Additional income: calculation details
See the calculation, assumptions and sources for this estimate.
Model period 2026-27Reviewed 2026-09-27Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Recalculated total-income scenario
All amounts below are NZD per year. These are complete scenario totals, not incremental take-home. The full scenario is recalculated using the same model, including supported thresholds and credits.
- Gross income change from current estimate
- NZ$1,000.00
- Take-home change from current estimate
- NZ$652.50
- Tax and payroll change from current estimate
- NZ$347.50
Income and annualization
- Income entered
- NZ$86,000.00 / annual
- Annualized gross income
- NZ$86,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · NZD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated taxable salary
- NZ$86,000.00
- National / federal tax after modeled relief
- NZ$18,257.50
Employee payroll deductions
- ACC earners' levy
- NZ$1,505.00
Result reconciliation
- Annual gross income
- NZ$86,000.00
- Income tax
- NZ$18,257.50
- Employee payroll contributions
- NZ$1,505.00
- Planned contributions
- NZ$0.00
- Total deducted
- NZ$19,762.50
- Annual take-home
- NZ$66,237.50
- Post-tax savings
- NZ$0.00
- Available after savings
- NZ$66,237.50
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Full-year ordinary-salary estimate for 1 April 2026-31 March 2027; PAYE uses tax codes and pay-period rounding.
- Student-loan deductions support one primary job with the standard repayment rate and the selected or income-derived payroll period. Secondary jobs, special rates, exemptions and final-balance notices are excluded.
- Secondary tax codes, tailored rates, Working for Families and other personal adjustments are excluded.
- KiwiSaver membership and contribution rate are not inferred. Entered retirement is a cash deduction only and does not determine the required KiwiSaver amount; employer contributions and ESCT are excluded.
4coverage items
3limitations
4reference sources
Coverage
- 2026-27 national ordinary-salary tax bands for all five selectable New Zealand regions
- ACC earners' levy at 1.75% up to $156,641 liable earnings
- User-entered retirement cash contribution without inferred KiwiSaver entitlement or tax relief
- Standard M SL or ME SL primary-job student-loan payroll deduction for supported payroll periods
Limitations
- Secondary-job student-loan codes, special deduction rates, exemptions, final-balance notices, secondary or tailored tax codes, Working for Families and other personal credits
- KiwiSaver membership, selected rate, employer contribution and ESCT
- Other deductions and exact pay-period withholding
Key assumptions
- Full-year New Zealand resident employee with one ordinary salary source and standard tax code
- Selected region does not change the national salary tax and ACC formulas in this model
- Period is 1 April 2026 to 31 March 2027; annual liability differs from exact PAYE
- Student-loan payroll assumes one primary job with steady pay and the selected or income-derived weekly, fortnightly, four-weekly or monthly period
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "nz-2026-27-927d608f333c"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Inland Revenue · Tax rates for individuals Primary source reviewed
10.5%, 17.5%, 30%, 33% and 39% marginal bands. Full-year salary estimate, not pay-period PAYE.
New Zealand · 2026-27 · National progressive income tax from 1 April 2025, applicable in 2026-27 · Reviewed 2026-09-26Inland Revenue · 2026-27 PAYE ACC earners' levy Primary source reviewed
The 2026-27 PAYE table states 1.75% ACC levy and $156,641 maximum liable earnings; annual salary approximation excludes pay-period anomalies.
New Zealand · 2026-27 · 1.75% earners' levy to $156,641 liable earnings · Reviewed 2026-09-26Inland Revenue · KiwiSaver changes from 1 April 2026 Primary source reviewed
Default employee and employer rates rise to 3.5%, with temporary 3% reduction and other choices. The model does not infer membership or rate; an entered retirement amount affects cash only.
New Zealand · 2026-27 · Employee KiwiSaver contribution choice and employer distinction · Reviewed 2026-09-26The details behind the number
New salary: calculation details
See the calculation, assumptions and sources for this estimate.
Model period 2026-27Reviewed 2026-09-27Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Proposed annual salary scenario
All amounts below are NZD per year. These are complete scenario totals, not incremental take-home. The full scenario is recalculated using the same model, including supported thresholds and credits.
- Gross income change from current estimate
- NZ$0.00
- Take-home change from current estimate
- NZ$0.00
- Tax and payroll change from current estimate
- NZ$0.00
Income and annualization
- Income entered
- NZ$85,000.00 / annual
- Annualized gross income
- NZ$85,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · NZD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated taxable salary
- NZ$85,000.00
- National / federal tax after modeled relief
- NZ$17,927.50
Employee payroll deductions
- ACC earners' levy
- NZ$1,487.50
Result reconciliation
- Annual gross income
- NZ$85,000.00
- Income tax
- NZ$17,927.50
- Employee payroll contributions
- NZ$1,487.50
- Planned contributions
- NZ$0.00
- Total deducted
- NZ$19,415.00
- Annual take-home
- NZ$65,585.00
- Post-tax savings
- NZ$0.00
- Available after savings
- NZ$65,585.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Full-year ordinary-salary estimate for 1 April 2026-31 March 2027; PAYE uses tax codes and pay-period rounding.
- Student-loan deductions support one primary job with the standard repayment rate and the selected or income-derived payroll period. Secondary jobs, special rates, exemptions and final-balance notices are excluded.
- Secondary tax codes, tailored rates, Working for Families and other personal adjustments are excluded.
- KiwiSaver membership and contribution rate are not inferred. Entered retirement is a cash deduction only and does not determine the required KiwiSaver amount; employer contributions and ESCT are excluded.
4coverage items
3limitations
4reference sources
Coverage
- 2026-27 national ordinary-salary tax bands for all five selectable New Zealand regions
- ACC earners' levy at 1.75% up to $156,641 liable earnings
- User-entered retirement cash contribution without inferred KiwiSaver entitlement or tax relief
- Standard M SL or ME SL primary-job student-loan payroll deduction for supported payroll periods
Limitations
- Secondary-job student-loan codes, special deduction rates, exemptions, final-balance notices, secondary or tailored tax codes, Working for Families and other personal credits
- KiwiSaver membership, selected rate, employer contribution and ESCT
- Other deductions and exact pay-period withholding
Key assumptions
- Full-year New Zealand resident employee with one ordinary salary source and standard tax code
- Selected region does not change the national salary tax and ACC formulas in this model
- Period is 1 April 2026 to 31 March 2027; annual liability differs from exact PAYE
- Student-loan payroll assumes one primary job with steady pay and the selected or income-derived weekly, fortnightly, four-weekly or monthly period
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "nz-2026-27-927d608f333c"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Inland Revenue · Tax rates for individuals Primary source reviewed
10.5%, 17.5%, 30%, 33% and 39% marginal bands. Full-year salary estimate, not pay-period PAYE.
New Zealand · 2026-27 · National progressive income tax from 1 April 2025, applicable in 2026-27 · Reviewed 2026-09-26Inland Revenue · 2026-27 PAYE ACC earners' levy Primary source reviewed
The 2026-27 PAYE table states 1.75% ACC levy and $156,641 maximum liable earnings; annual salary approximation excludes pay-period anomalies.
New Zealand · 2026-27 · 1.75% earners' levy to $156,641 liable earnings · Reviewed 2026-09-26Inland Revenue · KiwiSaver changes from 1 April 2026 Primary source reviewed
Default employee and employer rates rise to 3.5%, with temporary 3% reduction and other choices. The model does not infer membership or rate; an entered retirement amount affects cash only.
New Zealand · 2026-27 · Employee KiwiSaver contribution choice and employer distinction · Reviewed 2026-09-26Compare locations
See how your take-home pay and tax deductions compare across different locations.
Amounts remain in their local currency. Use keep rate to compare modeled tax impact, not purchasing power.
Checking the currency reference. You can enter a salary anytime.
Customize comparison inputsCountry-specific assumptions and required records.
This release candidate supports United States estimates only for Arkansas, New Mexico and Oregon.
Tax comparison only. It does not compare cost of living, housing, healthcare, immigration or pension value. Each estimate uses the salary, tax situation, contributions and assumptions shown for that location. Review country-specific assumptions and coverage below.
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and limits behind your estimate.
Model period 2026-27Reviewed 2026-09-27Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · NZD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated taxable salary
- NZ$85,000.00
- National / federal tax after modeled relief
- NZ$17,927.50
Employee payroll deductions
- ACC earners' levy
- NZ$1,487.50
Result reconciliation
- Annual gross income
- NZ$85,000.00
- Income tax
- NZ$17,927.50
- Employee payroll contributions
- NZ$1,487.50
- Planned contributions
- NZ$0.00
- Total deducted
- NZ$19,415.00
- Annual take-home
- NZ$65,585.00
- Post-tax savings
- NZ$0.00
- Available after savings
- NZ$65,585.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Full-year ordinary-salary estimate for 1 April 2026-31 March 2027; PAYE uses tax codes and pay-period rounding.
- Student-loan deductions support one primary job with the standard repayment rate and the selected or income-derived payroll period. Secondary jobs, special rates, exemptions and final-balance notices are excluded.
- Secondary tax codes, tailored rates, Working for Families and other personal adjustments are excluded.
- KiwiSaver membership and contribution rate are not inferred. Entered retirement is a cash deduction only and does not determine the required KiwiSaver amount; employer contributions and ESCT are excluded.
4coverage items
3limitations
4reference sources
Coverage
- 2026-27 national ordinary-salary tax bands for all five selectable New Zealand regions
- ACC earners' levy at 1.75% up to $156,641 liable earnings
- User-entered retirement cash contribution without inferred KiwiSaver entitlement or tax relief
- Standard M SL or ME SL primary-job student-loan payroll deduction for supported payroll periods
Limitations
- Secondary-job student-loan codes, special deduction rates, exemptions, final-balance notices, secondary or tailored tax codes, Working for Families and other personal credits
- KiwiSaver membership, selected rate, employer contribution and ESCT
- Other deductions and exact pay-period withholding
Key assumptions
- Full-year New Zealand resident employee with one ordinary salary source and standard tax code
- Selected region does not change the national salary tax and ACC formulas in this model
- Period is 1 April 2026 to 31 March 2027; annual liability differs from exact PAYE
- Student-loan payroll assumes one primary job with steady pay and the selected or income-derived weekly, fortnightly, four-weekly or monthly period
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "nz-2026-27-927d608f333c"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Inland Revenue · Tax rates for individuals Primary source reviewed
10.5%, 17.5%, 30%, 33% and 39% marginal bands. Full-year salary estimate, not pay-period PAYE.
New Zealand · 2026-27 · National progressive income tax from 1 April 2025, applicable in 2026-27 · Reviewed 2026-09-26Inland Revenue · 2026-27 PAYE ACC earners' levy Primary source reviewed
The 2026-27 PAYE table states 1.75% ACC levy and $156,641 maximum liable earnings; annual salary approximation excludes pay-period anomalies.
New Zealand · 2026-27 · 1.75% earners' levy to $156,641 liable earnings · Reviewed 2026-09-26Inland Revenue · KiwiSaver changes from 1 April 2026 Primary source reviewed
Default employee and employer rates rise to 3.5%, with temporary 3% reduction and other choices. The model does not infer membership or rate; an entered retirement amount affects cash only.
New Zealand · 2026-27 · Employee KiwiSaver contribution choice and employer distinction · Reviewed 2026-09-26Plan what your take-home pay needs to cover.
Bring your income, bills and goals into one household plan.
Explore your options
Where will life take you?
TaxCalcy provides planning estimates based on the rules and assumptions shown. It is not tax filing software and does not provide tax, legal or financial advice. Actual liability or payroll withholding may differ.