Educational only: Work and pay decision support, not tax, legal, financial or career advice.
Privacy: No account is required. Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
Update policy: Reviewed when formulas or official dependencies change.
Scope: New Zealand work and pay planning using your own assumptions.
What this calculator helps you decide
Best for
Estimating a bounded 2026-27 New Zealand payroll scenario.
Outputs
Gross pay, supported deductions and estimated take-home pay.
Start here
Choose only the supported tax and deduction scenario before entering gross pay.
- Close-intent boundary
- Do not use this to model unsupported payroll branches; use Gross to Net Pay Using Your Tax Rate Calculator for a user-entered flat-rate scenario. This is not a definitive payslip calculation.
Estimate tax and statutory pay
New Zealand Take-Home Pay: gross pay
Gross pay, supported deductions and estimated take-home pay.
2026-27 bounded NZ payroll inputs
Supports M and M SL with weekly, fortnightly, four-weekly or monthly pay.
Your numbers stay in this browser
Gross PAYE income for the selected supported period; the visible maximum is safe for every supported frequency.
Choose a supported payroll frequency.
Choose M or M SL only.
Choose no deduction or an explicit supported rate.
Calculated result
PAYE, student loan and KiwiSaver remain separate from take-home pay.
PDF and CSV exports stay on this device. Clean page links contain no inputs.
Scenario comparison
Each row names the assumption axis changed from the baseline.
ScenarioResultDifference
Entered scenarioNZ$1,587.00Baseline
Gross pay per period: NZ$2,100.00NZ$1,658.98NZ$71.98
Save these results, change an input, then compare the updated figures with this baseline.
The baseline is temporary in this tab and is not added to shared scenario links or generated reports.
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Bounded take-home pay
Bounded take-home pay
takeHomePayPerPeriod = round to cents(grossPayPerPeriod − totalDeductionsPerPeriod)NZ$1,587.00ResultNZ$1,587.00
Gross less PAYE including ACC, supported student loan and explicit KiwiSaver. Displayed using the engine-rounded value.
Bounded take-home pay formula →Total supported deductions
Total supported deductions
totalDeductionsPerPeriod = round to cents(payeIncludingAccPerPeriod + studentLoanPerPeriod + kiwiSaverEmployeePerPeriod)NZ$413.00ResultNZ$413.00
Sum of supported engine deductions. Displayed using the engine-rounded value.
Total supported deductions formula →PAYE including ACC levy
PAYE including ACC levy
payeIncludingAccPerPeriod = truncate to cents((annualIncomeTax + annualAccEarnersLevy) ÷ 52 × 52 ÷ periodsPerYear)NZ$343.00ResultNZ$343.00
Annualised PAYE and ACC converted to the selected period. Displayed using the engine-rounded value.
PAYE including ACC levy formula →Student loan deduction
Student loan deduction
studentLoanPerPeriod = taxCode is M SL ? truncate to cents(max(0, truncate grossPayPerPeriod to whole dollars − periodThreshold) × 0.12) : 0NZ$0.00ResultNZ$0.00
M SL deduction above the official period threshold. Displayed using the engine-rounded value.
Student loan deduction formula →Employee KiwiSaver deduction
Employee KiwiSaver deduction
kiwiSaverEmployeePerPeriod = truncate to cents(grossPayPerPeriod × explicitKiwiSaverRate)NZ$70.00ResultNZ$70.00
Gross pay multiplied by the explicit supported rate. Displayed using the engine-rounded value.
Employee KiwiSaver deduction formula →Inputs used
- Gross pay per period
- NZ$2,000.00
- Pay frequency
- 1
- Main-income tax code
- 0
- Employee KiwiSaver rate
- 2
Open this calculator with preset values
This calculator supports documented, shareable scenario URLs. Compatible assistants and applications can construct links using the parameters below.
Scenario values are visible in the URL, calculations run in the browser, and optional saved state stays only on this device. Anyone you share the URL with can read those numbers, so do not include private or identifying data.
| Parameter | Meaning | Unit | Allowed values | Presence | Default |
|---|---|---|---|---|---|
| grossPayPerPeriod | Gross PAYE income for the selected supported period; the visible maximum is safe for every supported frequency. | NZD/pay period | 0 to 1923076.92 | Required | 2000 |
| payFrequency | Choose a supported payroll frequency. | supported pay frequency | 0, 1, 2, 3 | Required | Fortnightly |
| taxCode | Choose M or M SL only. | supported main-income tax code | 0, 1 | Required | M |
| kiwiSaverRate | Choose no deduction or an explicit supported rate. | explicit employee KiwiSaver rate | 0, 1, 2, 3, 4, 5, 6 | Required | 3.5% |
New Zealand Take-Home Pay: gross pay
Use the result only for the supported 2026-27 payroll scenario shown.
Formula summary
- Primary formula
- takeHomePayPerPeriod = round to cents(grossPayPerPeriod − totalDeductionsPerPeriod)
Data used here
- New Zealand bounded employee payroll rules for 2026-27: Inland Revenue New Zealand; verified; checked 2026-07-27.
Decision checks
Act on the result
Verify the tax code and deductions against an actual payroll record.
Stress-test the decision
Retest gross pay and each supported optional deduction separately.
Assumptions and sources
- New Zealand bounded employee payroll rules for 2026-27
- Inland Revenue New Zealand, Payroll Calculations and Business Rules Specification Checked 2026-07-27.
Primary source →
When this estimate can be misleading
- Other tax codes, special certificates and irregular payroll are excluded.
- Employer KiwiSaver, ESCT, benefits and payroll filing are excluded.
- Use the result only for the supported 2026-27 payroll scenario shown.
Educational estimate, not advice. See all assumptions & limitations →
Related reading
Use these practical guides to interpret the decision and its assumptions.
- New Zealand take-home pay for 2026–27: what the calculator includes
Estimate bounded New Zealand take-home pay for 2026-27 using reviewed payroll evidence.
Read guide
Frequently asked questions
What bounded take-home pay results from this supported 2026-27 New Zealand payroll scenario?
Verify the tax code and deductions against an actual payroll record.
Does this calculate tax or take-home pay?
M and M SL only with supported frequencies and explicit KiwiSaver; this is not payroll filing.
Which official source and period does this use?
Official Inland Revenue and ACC payroll sources captured and reviewed 27 July 2026. Coverage: 1 April 2026 to 31 March 2027.
Can I share or save a scenario?
Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
How should I validate the estimate before acting?
Use the estimate as a bounded planning range and replace assumptions with current work and pay records before committing.