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Income Tax · 2026/27

Salary Comparison

Compare two job offers and see the difference in take-home pay.

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Your calculation

All amounts in New Zealand dollars.

Advanced options KiwiSaver, student loan & tax credit

IETC excludes relevant benefits, NZ Superannuation and qualifying Working for Families circumstances. Check eligibility. One main job, steady pay. No tailored tax codes or other income.

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A little clarity starts here

Your numbers,
in plain sight.

Enter your details and calculate to see your breakdown.

Using this calculator

Compare offers using the same assumptions

Enter two annual gross salaries and use identical contribution, loan and eligibility assumptions. The headline is the change in modelled cash take-home, not the full value of either employment package.

Worked example

Moving from $75,000 to $85,000 gives a default annual net increase of $6,618.00, about $551.50 per month. A $10,000 gross rise is not a $10,000 cash rise.

How the result is built

The tool calculates each salary independently, then subtracts the first net result from the second. It does not apply a guessed percentage to the gross difference.

Before you use the number

Hours, commuting, leave, insurance, bonuses, employer contributions and job security are not valued. Different deduction arrangements need two separately saved scenarios.

Can a lower headline salary still be attractive?

Yes. Compare the actual paid hours and the costs of doing each job alongside net pay. This calculator addresses one measurable part of that decision.

Official source ↗ · How we prepare and correct content · Model reviewed 26 September 2026. Examples are illustrative.

How this tool works

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 ↗
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