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New Zealand · 2025–26 tax year

PAYE tax calculator

See your exact take-home pay, tax breakdown, kiwisaver and more instantly.

1
Your situation
Employee
PAYE deducted
Self-employed
Provisional tax
Student
With student loan
Self-employed? You'll pay tax via provisional tax instalments rather than PAYE. This calculator shows your income tax liability. Use it to plan your set-asides.
2
Your income
$
3
Your options (all optional)
KiwiSaver
Your employer also contributes 3% on top
Student loan
12% deducted on income over $22,828/yr ($439/wk)
Secondary income
This is not your main or only job
Tax code
Determines how much PAYE is deducted
What tax code should I use? →
M — Your main or only job. Most people use this.
ME — Main job, earning $24,000–$48,000, no Working for Families or student loan (IETC eligible).
M SL / ME SL — Same as above but with an active student loan.
S — A second job or income source. Flat rate based on total income.
WT — Contractor or freelancer paid via schedular payments.
Enter your income to see results
Your full pay breakdown will appear here live
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Based on IRD 2026–27 rates. PAYE, ACC (1.60%), KiwiSaver, and student loan thresholds current as of 1 April 2026.
Results are estimates only and do not constitute financial or tax advice.
Take-home / month
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Enter income above ↑
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