PAYE income tax
Progressive employment-income tax based on annual earnings and tax code.
Aotearoa New Zealand
New Zealand financial calculators
Explore New Zealand salary and tax estimates for 2026/27, plus mortgage, loan, saving, investing, property and retirement calculators displayed in NZD.
NZD · 2026/27 Sources and scope
Tax year2026/27
Display currencyNZD
Calculator statusVerified country rules
Last reviewed2026-07-13
Official tax authority Choose a starting point
What would you like to calculate?
Free to use, with no account needed.
Salary and tax
Estimate take-home pay after the taxes and deductions supported for your country.
Mortgage
See monthly repayments, total interest and earlier-payoff options.
Personal loan
Understand monthly repayments, total cost and payoff options.
Monthly cash flow
See what remains after essential costs, spending and saving.
Savings goal
Work out the contribution and time behind a savings target.
Retirement planner
Estimate a retirement funding gap and test contribution and return assumptions.
Salary and tax context
What the New Zealand estimate examines
New Zealand's workspace will combine progressive PAYE, the ACC earners' levy and employee-selected KiwiSaver or student-loan deductions.
Open the salary and tax calculatorACC earners' levy
Employee levy up to the prescribed annual earnings maximum.
KiwiSaver
Employee-selected retirement contribution rate shown separately from tax.
Student loan
Compulsory payroll deduction where the repayment threshold and tax code apply.
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