Calculators

NZ take-home pay after PAYE

Calculate NZ take-home pay for the current tax year.

Covers PAYE income tax across the progressive brackets, the ACC earners levy, KiwiSaver, student loan repayments and the Independent Earner Tax Credit. Salary and wages only.

Two things worth knowing before you display the result:

  • effective_tax_rate counts income tax and ACC, not KiwiSaver or student loan, so it is not total_deductions over gross. KiwiSaver is your money and a student loan repays a debt; neither is tax.
  • assumptions names the tax year and every rate used. Store it alongside any saved result, or you will not be able to explain the number after the next Budget.

Not covered: secondary tax codes, ESCT variation, non-resident status, Working for Families, and self-employed income. Those need /v1/find-calculator.

post/v1/paye

Request

  • Base URL: https://api.calculate.co.nz
  • URL: https://api.calculate.co.nz/v1/paye
  • Auth: API key in header X-API-Key

Request body

annual_incomenumber required

Gross annual salary in NZD

kiwisaver_ratenumber

Employee KiwiSaver contribution rate. Valid values: 0 (opted out), 0.03, 0.035, 0.04, 0.06, 0.08, 0.10. Minimum rose to 3.5% from 1 April 2026 for new enrollees.

has_student_loanboolean

True if the person is repaying a NZ student loan

claim_ietcboolean

True if eligible for the Independent Earner Tax Credit. Set False for recipients of main benefits, Working for Families Tax Credits, NZ Super, or non-residents.

Example request

{
  "annual_income": 90000,
  "claim_ietc": false,
  "has_student_loan": false,
  "kiwisaver_rate": 0.03
}

Response

Deductions, take-home pay, and the rates used.

disclaimerstring required

Scope and limits of this calculation.

Example response

{
  "assumptions": {
    "acc_levy_rate": 0.0175,
    "kiwisaver_min_rate": 0.035,
    "student_loan_rate": 0.12,
    "student_loan_threshold": 24128,
    "tax_year": "2026/27"
  },
  "disclaimer": "Estimate only based on standard PAYE rules. Not financial or tax advice. Does not account for secondary income, ESCT differences, or non-resident status.",
  "result": {
    "acc_levy": 1575,
    "effective_tax_rate": 23.5,
    "gross_annual": 90000,
    "ietc_credit": 0,
    "income_tax": 19577.5,
    "kiwisaver_employee": 2700,
    "marginal_tax_rate": 33,
    "student_loan": 0,
    "take_home_annual": 66147.5,
    "take_home_fortnightly": 2544.13,
    "take_home_weekly": 1272.07,
    "total_deductions": 23852.5
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.