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PAYE CALCULATOR

Where does your pay go?

Take-home pay after PAYE, ACC, KiwiSaver, and student loan. Same maths IRD uses — with every line on your payslip broken down so you can see what each one does.

UNDERSTAND YOUR NUMBERS

Start with what you earn.

Every line of your payslip, broken down — so you can see what each one actually does.

12% of income above $24,128 per year.

PAYE FAQ

WHY THIS WORKS

Same numbers IRD uses, broken into every line.

  • PAYE bracket-by-bracket, including the $180k step.
  • ACC earner's levy at the right rate for the tax year.
  • KiwiSaver auto-adjusts for the April 2026 and 2028 rate changes.
  • Student loan repayment over the $24,128 threshold.