Free NZ tool

NZ Salary Calculator

Calculate your take-home pay after PAYE tax, ACC, KiwiSaver and student loan. FY2024/25 rates.

Annual Gross Income

Show results per

KiwiSaver

Employee contribution

Student Loan

12% on income above $24,128

Secondary Income

Flat secondary tax code rate

Annual Breakdown

Gross Pay$80,000

PAYE Tax− $17,320

ACC Levy (1.60%)− $1,280

KiwiSaver (3%)− $2,400

Take-Home Pay$59,000

Effective rate: 26.3% · Marginal rate: 33%

FY2024/25 rates — ACC 1.60% (cap $142,283), student loan threshold $24,128. For information only — not financial advice.