NZ Take-Home Pay & Entitlements

See exactly how much lands in your bank account after PAYE, ACC, and student loans. Updated for 2026 rates.

payments Includes IETC Tax Credit calculations
$
You can update your code by submitting an IR330 form to your employer.
Weekly Take-Home Pay $0.00
Gross Weekly $0.00
PAYE Tax -$0.00
ACC Levy (1.75%) -$0.00
KiwiSaver -$0.00
Monthly Take-Home $0.00 / mo
Annual Take-Home $0.00

Note: Estimates are based on the new 2026 minimum wage figures. Rates typically increase every April.

⚠️ Legal Disclaimer: This tool provides an estimate only and does not constitute financial, tax, or legal advice.

Read full disclaimer

While we strive to align with the standard provisions of the NZ Holidays Act 2003 (and other relevant legislation), this calculator cannot account for every unique employment agreement, complex leave history, or precise IRD tax logic (including exact KiwiSaver and Student Loan thresholds).

We accept no liability or responsibility for any loss, damage, or discrepancy arising from the use of or reliance on this calculator. Always verify your calculations with your payroll department, Employment New Zealand, or a qualified professional.

External Resources

Make the most of your transition with these popular New Zealand resources.

search

Official 2026 Wage Rates →

View the current Adult, Starting-out, and Training rates on Employment NZ.
trending_up

Current Income Tax Rates →

Check the IRD tax brackets to see how much of your wage goes to PAYE.
description

Minimum Wage Rights →

Understand who is covered by the Minimum Wage Act and your legal protections.

Frequently Asked Questions

Common questions about minimum wage entitlements in New Zealand.

What are the current minimum wage rates in NZ?

As of April 1, 2026, the Adult minimum wage is $23.95 per hour. The Starting-out and Training rates are $19.16 per hour (which is 80% of the adult rate).

Who is eligible for the 'Starting-out' rate?

Starting-out workers are typically 16 or 17 year olds who have worked for their current employer for less than 6 months, or 18 and 19 year olds who have been on a social security benefit for 6 months or more and haven't completed 6 months with a new employer.

Does the minimum wage apply to salary earners?

Yes. If you are on a salary, your total pay divided by the hours you work must not be lower than the minimum wage for any given pay period. Employers cannot use a salary to bypass minimum wage protections.

Is the minimum wage before or after tax?

The minimum wage is the "gross" amount—this is the amount you earn before any PAYE tax, Student Loan repayments, or KiwiSaver contributions are deducted from your pay.