Salary Calculator
Your take-home pay after income tax, ACC, KiwiSaver and student loan deductions.
Your numbers,
in plain sight.
Enter your details and calculate to see your breakdown.
Read a salary offer as take-home pay
Start with the gross cash salary in your employment offer. Choose the period that matches that figure: entering a monthly amount as an annual salary gives a very different answer. Open Advanced options to select your own KiwiSaver rate, student-loan status and eligible tax credit.
Worked example
A $75,000 salary, with no KiwiSaver, student loan or IETC, gives $58,967.00 a year in this model. At 3.5% KiwiSaver, the annual employee contribution is $2,625 and take-home becomes $56,342.00.
How the result is built
Gross minus income tax, ACC, employee KiwiSaver and student-loan deductions equals the modelled net amount. The tax credit, when selected and eligible, reduces income tax rather than becoming a second cash payment.
Before you use the number
Use the result to compare consistent full-year scenarios. Do not treat one-twelfth of an annual estimate as a guarantee of the tax withheld on a particular payslip.
Does employer KiwiSaver appear in my net pay?
No. The salary input is gross cash salary. Employer contributions and ESCT are outside this estimate; check any total-remuneration offer separately.
Official source ↗ · How we prepare and correct content · Model reviewed 26 September 2026. Examples are illustrative.
Useful estimates. Clear assumptions.
The 2026/27 year runs from 1 April 2026 to 31 March 2027. We assume a New Zealand tax resident, one main employment, regular earnings and no other income. Figures are annualised estimates, not a payroll filing. Select IETC only after confirming full-year eligibility. Employer KiwiSaver, ESCT, benefits, child support and special deduction rates are excluded.
See calculation rules & official sources ↗Your next useful calculation.
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Is this an official Inland Revenue calculator?
No. Free Tax Calculator NZ is an independent estimate tool. Our rates are linked to official sources, but we are not affiliated with or endorsed by Inland Revenue.
Why could my payslip show a different amount?
We annualise steady earnings. Payroll rounding, secondary jobs, tailored codes, partial years, benefits and irregular lump sums can produce different results. Check your employer’s calculation or Inland Revenue for payroll decisions.
Do I need an account?
No. All calculators work without an account. An optional account lets you save and reopen calculations.
Are my salary details sent to the server?
Calculations run in your browser. Saving sends inputs to your account on this server. Inputs included in page URLs are also visible to the server when you open or reload those links. Review a link before sharing it.