You may wonder why the salary credited to your bank account is much less than the agreed-upon hourly rate. This is because your salary comes through the IRD PAYE system, where tax and other deductions are taken out. Understanding your actual take-home pay in New Zealand can be confusing, especially when multiple deductions come into play. Whether you are on an annual salary package or paid by the hour, our NZ PAYE calculator breaks down every deduction so you can see exactly what lands in your bank account each payday. Simply enter your gross income, choose a frequency, and the calculator instantly shows your net pay after PAYE income tax, ACC earner's levy, KiwiSaver contributions, and student loan repayments.

Hourly Rate Calculator — Convert Between Hourly, Weekly, Fortnightly, Monthly and Yearly Pay

The majority of Kiwis get their wages on an hourly rate. If you are paid by an hourly rate, our calculator tool converts your hourly wage into weekly, fortnightly, monthly, and yearly salary automatically. Very helpful for those who are doing part-time jobs, casual jobs and for those with varying working hours and want to find their weekly or fortnightly paycheck before payday. Simply enter your hourly rate, set the number of hours you worked in a week, and the calculator does the rest. See how your salary is calculated based on all deductions.

Suppose that if your employment contract is based on an annual or yearly salary package, this calculator tool works in the reverse format. By entering the yearly rate and number of hours worked in a week, it will show you the equivalent hourly rate. This is a great feature, especially for migrant workers who want to check or compare a job offer meets specific thresholds like the New Zealand immigration median wage, wage rate specified for your Green List job, etc.

Understand what is deducted from your salary and why?

Every time you get a paycheck in NZ, it undergoes several compulsory deductions. When you get your wage, PAYE (Pay As You Earn) is the income tax your employer withholds on your behalf. The major deduction from your salary is the progressive tax system with 5 tax slabs for the 2026–2027 tax year. 10.5% on income up to $15,600, then 17.5% up to $53,500, 30% up to $78,100, 33% up to $180,000, and 39% on income above $180,000.

On top of PAYE, the ACC earner's levy of 1.75% is deducted to fund NZ's accident compensation scheme. If you are a resident visa holder or a citizen, you can opt into KiwiSaver and your chosen contribution rate (3%, 3.5%, 4%, 6%, 8%, or 10%) is also deducted from your gross pay. Those who are with a student loan, 12% is deducted from every dollar you earn above the annual repayment threshold of $24,128.

Tax Calculation for Secondary Jobs, Casual Jobs, and Overtime

If you have more than one job, secondary tax codes apply to those earnings. SB, S, SH, ST, and SA are the current secondary tax codes that estimate how much you get paid based on the tax rates. For casual workers, you can toggle on the 8% holiday pay entitlement. Our calculator also lets you add overtime hours at your specified multiplier rate (e.g. 1.5x). This will be useful for those who get a different pay rate for overtime hours.

We also offer a dedicated Secondary Job Tax Calculator page for anyone who wants a focused tool for their second job, along with a Tax Refund Calculator to estimate whether you'll get money back from IRD at the end of the tax year. Also, have a look at the GST Calculator for business users who wants to estimate the inclusive or exclusive GST rates.

What Changed for the 2026–2027 Tax Year

All rates in this calculator are updated for the current New Zealand tax year (1 April 2026 – 31 March 2027). The PAYE tax brackets remain unchanged from the previous year. ACC earner's levy has increased from 1.67% to 1.75%, and the maximum liable earnings threshold has risen to $156,641. Another significant change was for the default KiwiSaver contribution rate. It has changed to 3.5% from 3.0%. If you want to calculate the salary based on previous year tax rates, you can also switch to the 2025–2026 tax year using the dropdown. Those who have concerns about their privacy, all the calculations are performed locally in your browser, which means we do not collect, store, or transmit any of your salary or financial data.