Best NZ PAYE Calculator 2026 & 2027
Calculate your after-tax earnings in seconds with our trusted tool
Updated 13 October 2025
Our comprehensive PAYE Calculator guide is supported by our friends at Lighthouse Accounting
Lighthouse Accounting has reviewed this guide and specialises in helping New Zealand businesses and individuals navigate accounting complexities while maximising legitimate tax advantages.
What makes Lighthouse particularly valuable is their deep, practical understanding of how IRD systems work and where most people either overpay or underclaim. They've handled tax advice for hundreds of businesses and know exactly where money gets left on the table – and where mistakes trigger costly IRD reviews.
Lighthouse's team excels at:
If you want confidence that your tax is calculated correctly while taking advantage of every legitimate tax position, Lighthouse's expertise delivers immediate value.
Contact Lighthouse Accounting for Your Tax Review
Important: While Lighthouse Accounting supports our guide, all information is presented independently and factually. We recommend consulting a professional about your specific circumstances.
Lighthouse Accounting has reviewed this guide and specialises in helping New Zealand businesses and individuals navigate accounting complexities while maximising legitimate tax advantages.
What makes Lighthouse particularly valuable is their deep, practical understanding of how IRD systems work and where most people either overpay or underclaim. They've handled tax advice for hundreds of businesses and know exactly where money gets left on the table – and where mistakes trigger costly IRD reviews.
Lighthouse's team excels at:
- Annual tax returns - ensuring you are maximising deductions in your annual returns
- End-of-year calculations – maximising refunds through proper expense allocation
- Trusts and Structures – implementing effective, protection strategies that minimise your tax obligations
If you want confidence that your tax is calculated correctly while taking advantage of every legitimate tax position, Lighthouse's expertise delivers immediate value.
Contact Lighthouse Accounting for Your Tax Review
Important: While Lighthouse Accounting supports our guide, all information is presented independently and factually. We recommend consulting a professional about your specific circumstances.
Calculate Your PAYE
The tool below will automatically display your gross pay, taxable amount, PAYE tax, ACC, KiwiSaver, and student loan repayments on an annual, monthly, weekly and daily basis:
- Important - the calculator below uses the 1 April 2025 rates, which is what you need to understand your tax obligations.
- Wondering how much difference that pay rise or a new job would make? Our PAYE calculator shows you in seconds.
- To use the PAYE calculator, enter your annual salary (or the one you would like) in the Insert Income box below.
The tool below will automatically display your gross pay, taxable amount, PAYE tax, ACC, KiwiSaver, and student loan repayments on an annual, monthly, weekly and daily basis:
2025-2026 PAYE Income Tax Brackets (From 1 April 2025)
Tax rate |
Taxable income bracket |
Tax owed |
10.5% |
$0 to $15,600 |
10.50% of taxable income |
17.50% |
$15,601 to $53,500 |
$1,638 plus 17.50% of the amount over $15,600 |
30.00% |
$53,501 to $78,100 |
$8,271 plus 30.00% of the amount over $53,501 |
33.00% |
$78,101 to $180,000 |
$15,651 plus 33.00% of the amount over $78,100 |
39.00% |
$180,000+ |
$49,277 plus 39.00% of the amount over $180,000 |
Disclaimer: This is a guide using standard assumptions to estimate your tax breakdown. There are many other possible variables - for a definitive understanding, contact the IRD. This calculator assumes you're employed, as being self-employed means hourly, weekly, fortnightly and monthly income payments will be different, depending on when you make tax payments and how much you pay.
Video guidance: MoneyHub Founder Christopher Walsh explains how to use the PAYE calculator in the video below:
Video guidance: MoneyHub Founder Christopher Walsh explains how to use the PAYE calculator in the video below:
PAYE related need-to-know guides:
- Jobseeker Support - our guide explains everything you need to know about claiming entitlements when looking for work
- Accommodation Supplement - our guide explains how you can claim for assistance to meet weekly housing costs
- Income tax refund guide - avoid the agents and do it yourself directly with the IRD
- Mortgage affordability calculator - find out how much you can borrow for a home loan
- Student loan repayments - find out how much you'll need to repay every year based on your income
- Debt help - debt is everywhere in New Zealand and our guide walks you through the options available
Historical PAYE Rates (for reference):
2024-2025 PAYE Income Tax Brackets (From 1 August 2024, Announced on 30 May 2024 in the Budget)
Tax rate |
Taxable income bracket |
Tax owed |
10.5% |
$0 to $15,600 |
10.50% of taxable income |
17.50% |
$15,601 to $53,500 |
$1,638 plus 17.50% of the amount over $15,600 |
30.00% |
$53,501 to $78,100 |
$8,271 plus 30.00% of the amount over $53,501 |
33.00% |
$78,101 to $180,000 |
$15,651 plus 33.00% of the amount over $78,100 |
39.00% |
$180,000+ |
$49,277 plus 39.00% of the amount over $180,000 |
Income Tax Rates (PAYE): 2022 and 2023
Tax rate |
Taxable income bracket |
Tax owed |
10.5% |
$0 to $14,000 |
10.50% of taxable income, |
17.50% |
$14,001 to $48,000 |
$1,470 plus 17.50% of the amount over $14,000 |
30.00% |
$48,001 to $70,000 |
$7,420 plus 30.00% of the amount over $48,000 |
33.00% |
$70,001 to $180,000 |
$14,020 plus 33.00% of the amount over $70,000 |
39.00% |
$180,000+ |
$50,320 plus 39.00% of the amount over $180,000 |
Income Tax Rates (PAYE): 2020 and 2021
Income Level |
PAYE Rate |
Income up to $14,000 |
10.50% |
Income over $14,000 and up to $48,000 |
17.50% |
Income over $48,000 and up to $70,000 |
30% |
Income over $70,000 |
33% |
Source: Inland Revenue - our PAYE tax rates guide has more details
Our comprehensive PAYE Calculator guide is supported by our friends at Lighthouse Accounting
Lighthouse Accounting has reviewed this guide and specialises in helping New Zealand businesses and individuals navigate accounting complexities while maximising legitimate tax advantages.
What makes Lighthouse particularly valuable is their deep, practical understanding of how IRD systems work and where most people either overpay or underclaim. They've handled tax advice for hundreds of businesses and know exactly where money gets left on the table – and where mistakes trigger costly IRD reviews.
Lighthouse's team excels at:
If you want confidence that your tax is calculated correctly while taking advantage of every legitimate tax position, Lighthouse's expertise delivers immediate value.
Contact Lighthouse Accounting for Your Tax Review
Important: While Lighthouse Accounting supports our guide, all information is presented independently and factually. We recommend consulting a professional about your specific circumstances.
Lighthouse Accounting has reviewed this guide and specialises in helping New Zealand businesses and individuals navigate accounting complexities while maximising legitimate tax advantages.
What makes Lighthouse particularly valuable is their deep, practical understanding of how IRD systems work and where most people either overpay or underclaim. They've handled tax advice for hundreds of businesses and know exactly where money gets left on the table – and where mistakes trigger costly IRD reviews.
Lighthouse's team excels at:
- Annual tax returns - ensuring you are maximising deductions in your annual returns
- End-of-year calculations – maximising refunds through proper expense allocation
- Trusts and Structures – implementing effective, protection strategies that minimise your tax obligations
If you want confidence that your tax is calculated correctly while taking advantage of every legitimate tax position, Lighthouse's expertise delivers immediate value.
Contact Lighthouse Accounting for Your Tax Review
Important: While Lighthouse Accounting supports our guide, all information is presented independently and factually. We recommend consulting a professional about your specific circumstances.
