Take-home pay, PAYE, ACC and KiwiSaver
In New Zealand your take-home pay depends on PAYE income tax, the ACC earners' levy and your KiwiSaver contribution. These calculators use the 2026/27 IRD rates so you can see your net pay easily.
From gross to net
There's no tax-free threshold — PAYE applies from the first dollar, running from 10.5% to 39% in brackets. On top, the ACC earners' levy takes 1.75% (up to $156,641), and if you're enrolled, KiwiSaver takes a default 3.5% (with a matching employer contribution).
GST, mortgages and inflation
GST is a flat 15% on almost everything. The average mortgage rate is around 5.5%. And since 2010 prices are up about 1.51× (Stats NZ CPI).
Key 2026/27 numbers
| Item | 2026/27 value (reference) |
|---|---|
| Income tax (PAYE) | 10.5% – 39% (no tax-free threshold) |
| ACC earners' levy | 1.75% (up to $156,641) |
| KiwiSaver (default employee) | 3.5% |
| GST | 15% |
| Avg mortgage rate | ~5.5% |
| USD / NZD | ~1.67 |
| Inflation since 2010 (CPI) | prices ~1.51× (100 → 151) |
These figures are estimates for the 2026/27 tax year (1 April 2026 – 31 March 2027) and change over time. This is not financial advice — use it as a quick estimate.