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Income Tax · 2026/27

Overtime Pay Calculator

Estimate gross overtime and its annualised effect on take-home pay.

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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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Enter your details and calculate to see your breakdown.

Using this calculator

Estimate what annual overtime adds

Enter the base salary, the hourly rate used for overtime, total overtime hours for the year and the agreed multiplier. The tool compares the annual result with and without that extra gross pay.

Worked example

At $36 an hour, 100 overtime hours and a 1.5 multiplier, gross overtime is $5,400. On a $75,000 base with default deductions, the modelled net increase is $3,616.50.

How the result is built

Hourly rate × overtime hours × multiplier gives the extra gross income. Both annual salary scenarios use the same deduction options.

Before you use the number

This does not choose your contractual overtime rate or calculate a special lump-sum withholding rate. Extra hours in a single pay period can appear differently on a payslip.

Why is the net increase smaller than the gross overtime?

The added income can increase income tax and ACC, and selected KiwiSaver or student-loan deductions. The result shows the combined annual difference.

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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