Income Tax Calculator
See each tax band and how much of your income is taxed at each rate.
Your numbers,
in plain sight.
Enter your details and calculate to see your breakdown.
Understand the tax on each slice of income
This view isolates income tax from the other deductions in a salary estimate. The breakdown shows how much income falls inside each band, so you can distinguish a marginal rate from an overall average.
Worked example
On $75,000, income tax before credits is $14,720.50. Dividing that by $75,000 gives an average income-tax rate of about 19.63%. That average is different from the rate on the last dollar.
How the result is built
Each slice is multiplied by its band rate, then the slices are added. ACC is a separate deduction and is not included in the income-tax headline.
Before you use the number
The employment assumptions still apply. Extra taxable income can affect your overall position even if a second payer has already withheld some tax.
Will a pay rise put all my income into a higher band?
No. Only the relevant slice moves into the higher band. Comparing the two annual results is clearer than applying one rate to the whole salary.
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.
Salary Calculator
Your take-home pay after income tax, ACC, KiwiSaver and student loan deductions.
Open calculator Income TaxAfter Tax Salary Calculator
Explore annual, monthly, fortnightly and weekly take-home pay.
Open calculator Income TaxGross Salary Calculator
Work backwards from your target take-home pay to a gross salary.
Open calculator Income TaxHourly to Yearly Salary
Turn your hourly wage into an annual salary and after-tax estimate.
Open calculatorGood questions. Clear answers.
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.