Lift Off / Calculators

PAYE Income

See exactly what lands in your bank account. Enter your salary and deductions to get your true NZ take-home pay after PAYE, KiwiSaver, student loan, and ACC.

Annual Gross Salary

KiwiSaver Employee Rate

I have a student loan

Pay Frequency

Annual Breakdown

Gross Salary$70,000

PAYE Tax−$13,221

ACC Levy−$1,225

KiwiSaver (3.5%)−$2,450

Take-Home$53,105

Monthly Pay Breakdown

$4,425

Take-Home /mo

$1,102

PAYE Tax /mo

$204

KiwiSaver /mo

$204

Employer KiwiSaver /mo

Want to make more of what you actually take home?

KiwiSaver optimisation and tax-smart investing can meaningfully improve your net position.

Book a Conversation KiwiSaver Advice →

Uses NZ PAYE 2025/26 rates: tax brackets effective 31 July 2024 (unchanged), ACC earner levy 1.75% (cap $142,283), student loan threshold $24,128 ($464/wk), and employer KiwiSaver minimum 3.5% (increased from 3% on 1 April 2026). Does not include Working for Families, secondary income, or other adjustments. These projections are illustrative only and do not constitute financial advice.