Net salary calculator: New Zealand
From gross to take-home pay: the employee’s social security share and income tax by brackets, with the employer’s share shown too.
Enter the figures and press Calculate: the breakdown shows here, with the rules used.
Results are estimates for planning only, not legal, tax or payroll advice. Rates marked "estimate" are published figures Mihnaro has not confirmed; check them with the country’s tax authority, its social security body or your accountant, and your employment contract. Each rule shows its source.
Rules for New Zealand and their sources
The version in force from 2026-04-01. "Verified" rules were checked against the official source named; the others are estimates to confirm.
Requires confirmation
These rules of New Zealand are not applied, or are applied as estimates, because we could not confirm them from an official source yet. What is needed to add them:
- Employer social security %: Employer ACC levies depend on the industry, and KiwiSaver contributions on membership, so there is no cost-to-company calculator. Needed: A per-industry levy table (acc.co.nz) and a KiwiSaver input.
Pay and working time
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Currency: NZD Legal basis cited
Reserve Bank of New Zealand · read 2026-11-01
Social security
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Employee social security %: 1.75% Legal basis cited
Inland Revenue: ACC earners’ levy · 2026/27 · read 2026-11-01
$1.75 per $100 of earnings up to $156,641 a year, shown as a monthly ceiling (a twelfth). KiwiSaver is not included.
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Social security salary: basic + allowances Confirmed by the owner
Inland Revenue: ACC earners’ levy · read 2026-11-01
Confirmed by the owner on 2026-11-02.
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Monthly social security salary ceiling (0 = none): 13,053.42 Legal basis cited
Inland Revenue: ACC earners’ levy · 2026/27 · read 2026-11-01
Income tax
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Tax brackets and allowances are: yearly Legal basis cited
Inland Revenue: tax rates for individuals · read 2026-11-01
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Income tax brackets: 0–15,600: 10.5% · 15,600–53,500: 17.5% · 53,500–78,100: 30% · 78,100–180,000: 33% · 180,000–∞: 39% Legal basis cited
Inland Revenue: tax rates for individuals · From 1 April 2025 · read 2026-11-01
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Personal allowance: single: 0 Confirmed by the owner
Inland Revenue: tax rates for individuals · From 1 April 2025 · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: No tax-free allowance: the official scale taxes from the first dollar (10.5% up to $15,600).).
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Allowances not taxed, up to % of basic: 0% Confirmed by the owner
Inland Revenue: tax rates for individuals · read 2026-11-01
Confirmed by the owner on 2026-11-02.
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Social security comes off taxable income: No Confirmed by the owner
Inland Revenue: tax rates for individuals · read 2026-11-01
Confirmed by the owner on 2026-11-02.
Main tax code (M), no student loan. Employer ACC levies depend on the industry, so the cost-to-company calculator is not offered.
Payroll, leave and end of service in one system
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