New Zealand PAYE Calculator
Easily estimate take home pay after income tax so you can have an idea of what to possibly expect when planning your budget
Last reviewed on January 29, 2023
Results
Income Before Tax
Take Home Pay
Total Tax
Average Tax Rate
$ = New Zealand Dollar
Income Before Tax
Income Tax (PAYE)
Accident Compensation Corporation (ACC)
Total Tax
Take Home Pay
Total Deductions
Average Tax Rate
Table of Contents
Summary
Enter your employment income into the paye calculator above to estimate how taxes in New Zealand may affect your finances. You'll then get your estimated take home pay, an estimated breakdown of your potential tax liability, and a quick summary down here so you can have a better idea of what to possibly expect when planning your budget.
To learn more about , its income tax, and tax brackets, so that you can get a deeper understanding of how your budget and finances may be affected, scroll down to the detail section below!
Quick Facts about New Zealand
- Name(s) in Native Language(s):New Zealand, Aotearoa
- Main Language(s):English, Māori
- Currency:New Zealand Dollar ($)
- Capital:Wellington
- Total Population:5,125,760
- Most Populous City:Auckland
- Time Zone(s):UTC+12
(Summer: UTC+13) - International Phone Code:+64
- Driving Side:Left
- Climate:Mostly temperate with warm summers and cool winters
Frequently Asked Questions
What is the income tax rate in New Zealand?
The personal income tax rate in New Zealand is progressive and ranges from 10.5% to 39% depending on your income. This income tax calculator can help estimate your average income tax rate and your take home pay.
How many income tax brackets are there in New Zealand?
The income tax system in New Zealand has five different tax brackets. For more details, check out our detail section.
New Zealand Income Tax Brackets and Other Information
The personal income tax system in New Zealand is called PAYE which stands for pay as you earn. It's called PAYE because employees earning a wage or salary are taxed directly from their pay as they earn it. Employers are responsible for deducting, withholding, and paying PAYE income tax for their employees.
PAYE is a progressive tax system. This means that your income is split into multiple brackets where lower brackets are taxed at lower rates and higher brackets are taxed at higher rates. Tax rates range from 10.5% to 39%. A full PAYE tax rate table can be found below.
For 2022 tax year
| Taxable Income (NZD) | Tax Rate |
|---|---|
| First 14,000 | 10.5% |
| From 14,000 to 48,000 | 17.5% |
| From 48,000 to 70,000 | 30% |
| From 70,000 to 180,000 | 33% |
| From 180,000 onwards | 39% |
Social Security in New Zealand
The Accident Compensation Corporation (ACC) is the entity responsible for administering the country's no-fault accidental injury compensation insurance. This insurance provides financial compensation and support to citizens, residents, and temporary visitors who have suffered personal/non-work injuries.
Funding is provided by contributions from employees and self-employed individuals. The contribution rate is a little over 1% with a maximum cap on the applicable income. Currently, both the rate itself and the maximum cap are scheduled to slightly increase every year until 2025.
Some individuals may also participate and contribute to the KiwiSaver program, which was introduced on July 1st, 2007. This program is a workplace based superannuation savings scheme. Those that choose to participate can set their own contribution rate, provided it is above a required minimum. However, membership is voluntary and as such, our calculator does not include it.
Resident status and income tax in New Zealand
Resident taxpayers are subject to tax on worldwide income while non-resident taxpayers are subject to tax only on income from sources within New Zealand.
Individuals are considered residents if they have a permanent place of abode in New Zealand regardless of how long they have been overseas. Additionally, individuals can also be considered residents if they live in New Zealand for at least 183 days in any 12 month period.
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Disclaimer
- The content shown on this page is strictly for educational purposes only. It does not represent advice nor is it a substitute for a professional advisor.
- Estimated results are just estimates. They are not a guarantee of future results.
- While internal calculations are not rounded, all final resultant numbers are rounded normally with numbers ending in 0.5 and above being rounded up.
- Tax situations vary widely and calculations can get very complex. This paye calculator only provides a rough estimate according to the most common scenarios for standard employment income that comes from an employer. If you are self-employed, your taxes might differ.
- There may be additional deductions, credits, exemptions, allowances, reliefs, etc depending on many factors. Some factors are about your family such as the number of dependents, children, relatives, parents, etc. Other factors may include mortgage payments, property depreciation, charitible donations, additional voluntary retirement contributions, etc. Whether or not you are handicapped and/or disabled may also sometimes be an additional factor.
- Depending on region and jurisdiction, salary bonuses may be treated and taxed differently from standard salary.
- Calculators from other sites may show slightly different numbers due to different deductions/credits being included or they are based on data from a different year.
- Generally, we review changes once a year since tax codes usually change once a year. If you notice a major miscalculation or error with our paye calculator (most likely caused by a typo somewhere), feel free to direct message us on twitter and let us know. However, if you have specific questions about your own personal situation, please consult a licensed tax professional.
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