Salary, PAYE & KiwiSaver Take-Home Pay Calculator

Work out take-home pay from a gross salary, including income tax, ACC earner's levy, KiwiSaver employee and employer contributions, ESCT, and the annual Government contribution — shown annually, monthly, fortnightly and weekly.

Annual gross salary ($)

Annual bonus ($)

Your KiwiSaver contribution rate

Other deductions (optional)

Has a student loan

Child support payments ($/yr)

Other deduction – label

Other deduction ($/yr)

Advanced settings & current rates

Employer KiwiSaver rate

ACC earner's levy rate

ACC maximum liable earnings ($)

KiwiSaver Govt contribution rate (cents per $1)

Max annual Govt contribution ($)

Member contributions needed for max Govt contribution ($/yr)

Income tax brackets

Band	Up to ($)	Rate (%)
1
2
3
4
5	and above

ESCT (Employer Superannuation Contribution Tax) thresholds

Band	Up to ($)	Rate (%)
1
2
3
4
5	and above

Defaults shown reflect published settings as at April 2026: income tax brackets effective from 31 July 2024 ($15,600 / $53,500 / $78,100 / $180,000 thresholds); ESCT thresholds effective from 1 April 2025; ACC earner's levy of 1.75% up to $156,641 of earnings, effective 1 April 2026; and KiwiSaver Government contribution of 25c per $1 (capped at $260.72, requiring $1,042.86 of member contributions), effective 1 July 2025. These settings change periodically — confirm current figures with IRD/ACC before relying on results, and update the defaults here if they change. ESCT is applied as a single flat rate to the whole employer KiwiSaver contribution, using this year's estimated gross salary + employer contribution as a proxy for IRD's "ESCT rate threshold amount" (technically based on the prior tax year's earnings).

Gross income (annual)

Marginal tax rate

Average tax rate

Final take-home pay (annual)

	Annual	Monthly	Fortnightly	Weekly

This calculator is general in nature and for illustrative and educational purposes only. It does not take into account your individual financial situation, tax position, or objectives, and is not personalised financial or tax advice. Results are estimates based on the assumptions entered and on IRD/ACC settings current as at April 2026, which may change and may not reflect your actual payslip (for example, secondary tax codes, overseas-based student loan repayment schedules, other superannuation schemes, and prior-year ESCT thresholds are not modelled). Please speak with an Athena Wealth adviser, or your accountant, before making financial decisions.

Athena Wealth Planning Limited

Hours:

Locations:

Our Partners