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Income Tax · 2026/27

Gross Salary Calculator

Work backwards from your target take-home pay to a gross salary.

$

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.

✓ No sign-up needed ✓ Calculated in your browser

A little clarity starts here

Your numbers,
in plain sight.

Enter your details and calculate to see your breakdown.

Using this calculator

Work backwards from a net-pay target

Enter your desired annual take-home pay, then select the deductions that would apply. A target without a KiwiSaver contribution is not comparable to the same target with a contribution included.

Worked example

To compare targets, first calculate a known salary such as $75,000. Copy its net result into this tool using identical options. The gross estimate should return approximately the original salary.

How the result is built

The calculator repeatedly tests gross salaries and finds the smallest modelled amount that reaches the target. It does not divide your target by a single assumed tax rate.

Before you use the number

A tax-credit eligibility boundary can cause a jump in the result. The answer is an annual planning estimate rather than a guaranteed employment offer or payroll calculation.

Can I enter a monthly target?

Convert it to annual first: for example, $4,000 a month means a $48,000 annual target. Keep the selected contribution and loan assumptions consistent.

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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