PAYE means Pay As You Earn and is the income tax system in New Zealand. Employees who are on a wage or salary are taxed directly from their pay by the PAYE system.

ACC Earner's Levy is 1.75% of your income up to $156,641 (max $2,741.22) for the 2026–2027 tax year. This calculator applies it automatically.

Yes. Toggle KiwiSaver ON and select your contribution rate. From 1 April 2026, the default rate is 3.5%. You can temporarily opt down to 3% via myIR.

Casual employees often receive holiday pay (8%). Enable holiday pay to include it in weekly–yearly totals.

Compared to the 2025-2026 tax year, there are no changes for the PAYE tax brackets, students loan thresholds and Independent earner tax credit (IETC) Settings. There is a slight change for ACC earner's levy, which increased from 1.67% to 1.75%. The maximum liable earnings threshold increased from $152,790 to $156,641. The key change happened was for the default KiwiSaver rate. Kiwisaver rate increased from 3% to 3.5% (There is an option to temporarily reduce the rate to 3%, available via myIRD portal).

You might have noticed your employment contract asking you to choose the job between Main or Secondary. An employee can use tax code M (or ME) only for their main job and the remaining jobs comes under the secondary tax rate. The tax rate for the secondary jobs will be based on your total combined income from all sources. For the 2026-2027 Financial year, the secondary tax codes are: SB (10.5%) for combined income up to $15,600, S (17.5%) for $15,601–$53,500, SH (30%) for $53,501–$78,100, ST (33%) for $78,101–$180,000, and SA (39%) for over $180,000. If you want to see how much is your take home pay for the secondary job, enable the secondary income in the Secondary tab and calculate using your hourly rate.