MyPAYE: NZ Tax Calculator

Calculate your New Zealand take-home pay in seconds — PAYE tax, ACC levy, KiwiSaver, student loan, Working for Families and more. All calculations use 2026/27 rates and run entirely on your device. No internet required. No sign-in. No data collection.

★ PAYE CALCULATOR
Enter your salary or hourly rate and instantly see your weekly, fortnightly and monthly net pay. Full bracket-by-bracket PAYE breakdown. Download a detailed PDF.

★ 20 NZ FINANCIAL TOOLS
• Budget Planner — 50/30/20 and custom categories with savings goals
• Net Worth Calculator — Grouped assets and liabilities with emergency fund check
• FIRE Calculator — Financial Independence number, time to retire, NZ Super offset
• KiwiSaver Toolkit — Projection to 65, government contribution tracker, first home withdrawal, PIR checker
• Pay Rise Calculator — Compare two salaries side by side
• Working for Families — Full FTC, IWTC, Best Start and IETC with abatement
• Holiday Pay Calculator — Annual leave (OWP vs AWE), 8% final pay, public holidays
• Sole Trader vs Company — Side-by-side tax comparison with dividends and imputation
• GST Advisor — $60k threshold checker, net GST calculator, filing period guide
• FIF Tax Calculator — Foreign shares over $50k, FDR vs CV method
• Redundancy Calculator — Lump-sum tax with Schedule 2 rates
• Provisional Tax Planner — Three instalments, standard vs estimation method
• Contractor Rate Advisor — IR330C withholding rate, GST threshold alerts
• Mortgage Affordability — NZ DTI limits, LVR rules, stress-test calculator
• Student Loan Payoff — Debt-free date projection, overseas interest warnings
• Rental Income — Bright-line, interest limitation, deductible expenses
• Minimum Wage Checker — Current rates and underpayment detection
• Benefit & Work Calculator — Jobseeker abatement and break-even hours
• Tax Refund Estimator — End-of-year refund or tax bill prediction
• Calculation History — Save and revisit past results with full PDF export

★ 2026/27 TAX YEAR
PAYE brackets, ACC earner's levy (1.75%), KiwiSaver contribution rates, Working for Families rates, student loan repayment thresholds and provisional tax rules are current for the 2026/27 New Zealand tax year.

★ WHY MyPAYE
• No ads — ever
• Works completely offline
• No account or sign-in required
• All data stays on your device
• PDF export for every calculation
• Free to use — optional tip to support development

DISCLAIMER — INDEPENDENT APP, NOT A GOVERNMENT SERVICE
MyPAYE is an independent, privately developed application. It is NOT affiliated with, endorsed by, or connected to Inland Revenue New Zealand (IRD), ACC, Work and Income (WINZ), the Reserve Bank of New Zealand (RBNZ), the Financial Markets Authority (FMA), or any New Zealand government agency. MyPAYE does not represent the New Zealand government in any capacity. All calculations are estimates for general information only and should not be relied upon as professional financial, tax or legal advice. Always confirm figures with the relevant official source or a qualified professional.

OFFICIAL DATA SOURCES
All rates and thresholds used in this app are sourced from publicly available New Zealand government publications:
• Inland Revenue — ird.govt.nz — PAYE tax brackets, KiwiSaver rules, student loan thresholds, Working for Families rates, GST, FIF, provisional tax, rental income rules, IR330C schedular rates, IETC and ESCT
• Accident Compensation Corporation — acc.co.nz — ACC earner's levy rate and cap
• Employment New Zealand (MBIE) — employment.govt.nz — Minimum wage rates, holiday pay rules (Holidays Act 2003), redundancy guidance
• Work and Income (MSD) — workandincome.govt.nz — Jobseeker Support benefit rates and abatement thresholds, NZ Superannuation payment rates
• Reserve Bank of New Zealand — rbnz.govt.nz — Loan-to-value ratio (LVR) restrictions and debt-to-income (DTI) limits for mortgage calculations