Free tax calculators
Two calculators built on Inland Revenue’s published rates — the same ones we apply for our clients. No sign-up, no email address, and nothing you type leaves your browser.
PAYE calculator
Turn a salary, wage or hourly rate into real take-home pay, then see exactly where every deduction goes.
- Income tax across all five IRD brackets
- ACC earner’s levy, capped at $156,641
- KiwiSaver 3% to 10%, with salary sacrifice
- Student loan and the Independent Earner Tax Credit
- Secondary tax codes for a second job
- Results per hour, week, fortnight, month and year
GST calculator
Add 15% GST to a price or strip it back out, and check where you stand on registration and filing.
- Add GST to a GST-exclusive amount
- Remove GST from a GST-inclusive total
- Standard 15%, accommodation 9% and zero-rated
- The $60,000 registration threshold check
- Monthly, two-monthly or six-monthly filing
- Payments, invoice and hybrid accounting bases
Key numbers for 2026–27
The thresholds both calculators are built on.
| What | Detail | Figure |
|---|---|---|
| Income tax | Lowest bracket, up to $15,600 | 10.5% |
| Income tax | Top bracket, over $180,000 | 39% |
| ACC earner’s levy | Rate on liable earnings | 1.75% |
| ACC earner’s levy | Maximum liable earnings | $156,641 |
| ACC earner’s levy | Maximum levy per year | $2,741.22 |
| KiwiSaver | Default employee rate | 3.5% |
| KiwiSaver | Minimum employer contribution | 3.5% |
| Student loan | Repayment rate above threshold | 12% |
| Student loan | Annual repayment threshold | $24,128 |
| IETC | Maximum credit per year | $520 |
| IETC | Income range | $24,000–$70,000 |
| GST | Standard rate | 15% |
| GST | Registration threshold | $60,000 |
Before you start
What is PAYE, and what comes out of my pay?
PAYE — “pay as you earn” — is the income tax your employer deducts from each pay and sends to Inland Revenue for you. Alongside it sit the ACC earner’s levy, and, if they apply to you, KiwiSaver contributions and student loan repayments. Together those four lines are the gap between your gross pay and what lands in your account.
What is the ACC earner’s levy?
A compulsory 1.75% levy on your gross earnings that funds ACC cover for injuries happening outside work. It only applies to the first $156,641 you earn in a year, so the most anyone pays is $2,741.22. It is collected with PAYE, which is why payslips often show them as one figure.
How does KiwiSaver affect my take-home pay?
Your own contribution — 3%, 3.5%, 4%, 6%, 8% or 10% of gross pay — comes out of your pay, so it does reduce what you take home. It is not tax, though: it is your money, moved into your retirement account. Your employer must add at least 3.5% on top, unless you are on a total remuneration package.
What is the IETC?
The Independent Earner Tax Credit gives up to $520 a year to people earning between $24,000 and $70,000 who receive no other government support. It is worth the full $520 up to $66,000, then abates by 13 cents in the dollar until it runs out at $70,000. Claim it through the ME or ME SL tax code.
When do I have to register for GST?
When your turnover reaches $60,000 in any 12-month period — either looking back over the last 12 months, or looking forward to the next 12. Below that you can register voluntarily, which makes sense if you spend heavily on GST-inclusive costs or sell mainly to other registered businesses.
Can I rely on these numbers?
They are accurate for straightforward situations and use IRD’s published rates, but they are estimates rather than advice. They do not cover tailored tax codes, schedular payments, Working for Families, provisional tax, or the rounding your payroll software applies. For anything that matters, check myIR or ask us.
Numbers not looking right?
If a result surprises you — the wrong tax code, GST you did not expect, or a refund you might be owed — we will take a proper look at it with you. The first conversation is free.
Book a free consultationThese calculators are provided for general information and are not tax advice. Rates are checked against Inland Revenue and ACC publications for the 2026–27 tax year. C&C Accounting Service Ltd accepts no liability for decisions made on the basis of these estimates.