Frequently Asked Questions

Enter your annual gross salary into our NZ Salary Calculator. It automatically deducts PAYE income tax, the ACC earner's levy, and KiwiSaver contributions to show your exact take-home pay. You can also factor in student loan repayments for a complete breakdown.

No. All calculators are completely free and require no registration, login, or email address.

Yes. All NZ calculators use the official Inland Revenue Department (IRD) tax rates for the 2025/26 tax year (1 April 2025 to 31 March 2026). This includes the latest PAYE rates, the new 39% top rate bracket, ACC levy rates, and KiwiSaver contribution rates.

All NZ calculators use the 2025/26 tax year, running from 1 April 2025 to 31 March 2026. This includes current PAYE rates: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, and 39% above $180,000.

PAYE (Pay As You Earn) is New Zealand's income tax system where your employer withholds tax from each pay. NZ uses progressive tax brackets with rates from 10.5% to 39%. Our calculator applies the correct marginal rates and shows your exact PAYE deduction.

The ACC earner's levy funds New Zealand's accident compensation scheme. For 2025/26, the rate is approximately 1.60% of your liable earnings up to a maximum. Our calculator automatically includes this levy in your pay breakdown.

KiwiSaver is NZ's retirement savings scheme. You can contribute 3%, 4%, 6%, 8%, or 10% of your gross salary. Your employer must contribute at least 3%. Our calculator lets you select your contribution rate and shows the impact on your take-home pay.

If you have a NZ student loan and earn above the repayment threshold ($22,828 for 2025/26), repayments are deducted at 12% of income above the threshold. Our calculator includes student loan deductions when you select this option.

Yes. New Zealand's Goods and Services Tax (GST) is currently 15%. Our GST Calculator helps you calculate the GST-inclusive or GST-exclusive price for goods and services.

We update all NZ calculators annually when the IRD confirms new rates, typically around April for the new tax year. ACC levy rates are also updated annually.

No. All calculations run entirely in your browser. No data is sent to our servers.