In-Hand™ New Zealand Salary Calculator

It estimates how much of your gross pay you keep each month after PAYE income tax, the ACC Earner's Levy, and any KiwiSaver or student loan deductions you choose to model. It is a planning tool, not a substitute for your payslip or IRD.

Tax year 2026 (1 April 2026 – 31 March 2027), verified directly against IRD for income tax bands, secondary tax codes, the Independent Earner Tax Credit, KiwiSaver rates, and the student loan repayment rate. Single filers only.

Five progressive brackets from 10.5% to 39%, with no personal allowance — New Zealand taxes from the first dollar. The Independent Earner Tax Credit (up to $520/year) then reduces tax owed for income between $24,000 and $70,000 — unless you receive Working for Families, an income-tested benefit, NZ Superannuation or a Veteran's Pension, which is what the switch in the Tax code panel turns off.

Switch "Is this your main job?" to Second job and enter what your main job pays. IRD taxes a second source of income at one flat secondary rate on every dollar, chosen by your total income across all sources: SB 10.5% (up to $15,600), S 17.5% ($15,601–$53,500), SH 30% ($53,501–$78,100), ST 33% ($78,101–$180,000), SA 39% (over $180,000). The ACC Earner's Levy applies on top of those rates, the IETC is not withheld on a second job, and student loan repayments are 12% of every dollar because the threshold is already used by your main job. A tailored tax code (STC) from IRD is not modeled.

A 1.75% levy on earnings up to $156,641/year that funds New Zealand's accident compensation scheme. There's no levy on earnings above that cap.

It's your own contribution (3.5%, 4%, 6%, 8%, or 10% of gross pay) into your KiwiSaver account. It's not tax, but it leaves your paycheck, so it's shown as its own line in the breakdown. Select "Opt out" if you're not enrolled.

No. In-Hand.net is an independent calculator for education and planning. Rates and rules are implemented carefully for 2026 but are not guaranteed complete for every individual. Always confirm with IRD or a qualified tax professional before making decisions.