New Zealand Tax and Finance Calculators for 2026/27
These NZ tax calculators use Inland Revenue and Employment New Zealand rates for 2026/27, including the $23.95 adult minimum wage and paid parental leave of up to $811.05 a week. New Zealand has no tax-free threshold, so tax starts at 10.5% on the first dollar.
Updated Source IRD and Employment NZHow we check figures
| Income tax from 1 April 2026 | |
| Up to $15,600 | 10.5% |
| $15,601 to $53,500 | 17.5% |
| $53,501 to $78,100 | 30% |
| $78,101 to $180,000 | 33% |
| Over $180,000 | 39% |
| Levies, pay and GST | |
| ACC earners' levy | 1.75% |
| KiwiSaver default rate | 3.5% |
| GST | 15% |
| Adult minimum wage | $23.95 |
| Starting-out and training | $19.16 |
| Paid parental leave, weekly max | $811.05 |
Inland Revenue and Employment New Zealand, 2026/27. Parental leave maximum from 1 July 2026.
Where we are in the 2026/27 tax year
Day 198 of 365, from to
- Tax year starts, new wage and levy rates
- Paid parental leave rises to $811.05
- 2025/26 tax to pay, if you have no agent115 days to go
- Last day of the 2026/27 tax year
Find your NZ calculator
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All NZ calculators
3 calculators for New Zealand, grouped by what they work out. Each one has been rebuilt and re-checked for the 2026/27 tax year.
Minimum wage calculator
Pay at the $23.95 adult rate or the $19.16 starting-out and training rate, by hour, week and year.
Paid parental leave calculator
Weekly payments up to $811.05 and whether you meet the 26-week work test.
Bright-line property tax calculator
Tax on a property sold within the 2-year bright-line period, stacked on your other income.
Showing calculators that match "".
Property tax calculators 1 calculator
Tax on residential property sold within the bright-line period, added to your other income and taxed at your marginal rates.
- Bright-line property tax calculator
Tax on a property sold within the 2-year bright-line period, stacked on your other income.
2 yrsBright-line period
Pay and leave calculators 2 calculators
Minimum wage pay by hour, week and year, and paid parental leave payments with the 26-week work test.
- Minimum wage calculator
Pay at the $23.95 adult rate or the $19.16 starting-out and training rate, by hour, week and year.
$23.95Adult rate per hour - Paid parental leave calculator
Weekly payments up to $811.05 and whether you meet the 26-week work test.
$811.05Weekly maximum
No NZ calculator matches that yet. Request one and tell us what you need to work out.
New Zealand tax and pay rates for 2026/27 at a glance
New Zealand income tax for 2026/27 is 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above, with no tax-free threshold. These brackets have applied since 31 July 2024. The ACC earners' levy of 1.75% is deducted through PAYE on top.
| Income | Tax on this income | Rate |
|---|---|---|
| Up to $15,600 | 10.5c for each $1 | 10.5% |
| $15,601 to $53,500 | $1,638 plus 17.5c for each $1 over $15,600 | 17.5% |
| $53,501 to $78,100 | $8,270.50 plus 30c for each $1 over $53,500 | 30% |
| $78,101 to $180,000 | $15,650.50 plus 33c for each $1 over $78,100 | 33% |
| Over $180,000 | $49,277.50 plus 39c for each $1 over $180,000 | 39% |
| Figure | Applies to | 2026/27 |
|---|---|---|
| ACC earners' levy | Earnings up to $156,641 (maximum $2,741.22) | 1.75% |
| KiwiSaver default contribution | Employee and employer, from 1 April 2026 | 3.5% |
| Student loan repayment | Each dollar earned over $24,128 a year | 12% |
| GST | Most goods and services | 15% |
| GST registration threshold | Taxable supplies in any 12 months | $60,000 |
| Adult minimum wage | Employees 16 and over who are not starting-out or training | $23.95 |
| Starting-out and training minimum wage | 80% of the adult rate | $19.16 |
| Paid parental leave, maximum | Weekly, before tax, from 1 July 2026 | $811.05 |
On a $65,000 salary in 2026/27, income tax is $11,720.50 ($8,270.50 on the first $53,500 plus 30% of the $11,500 above it) and the ACC earners' levy is $1,137.50, leaving $52,142.00 before KiwiSaver and any student loan repayment.
Which NZ calculator answers your question
Each NZ calculator answers one question set by a different law: the Minimum Wage Order sets pay floors, the Parental Leave and Employment Protection Act 1987 sets parental leave payments, and the Income Tax Act 2007 sets the bright-line test.
| Your question | Use this calculator | Have this ready |
|---|---|---|
| What does the minimum wage pay a week or a year? | Minimum wage | Hours a week and which rate applies to you |
| How much parental leave pay will I get? | Paid parental leave | Average weekly earnings and work history over the last 52 weeks |
| Will I pay tax on selling a property? | Bright-line property tax | Purchase and sale dates and prices, costs, and your other income |
There is no NZ calculator yet for PAYE take-home pay, GST, KiwiSaver or student loans. The rates table above holds those figures, and requests help decide what we build next.
Who sets each New Zealand figure
New Zealand has no state or regional taxes, so every rate on this page applies nationwide; what differs is which agency sets it and when it changes, which tells you where to check a figure.
Inland Revenue
Tax year from 1 AprilIncome tax, GST, KiwiSaver, student loan repayments, the bright-line test and paid parental leave payments.
Employment New Zealand
Changes on 1 AprilMinimum wage rates, holiday and leave entitlements and parental leave eligibility under MBIE.
ACC
Levy year from 1 AprilThe earners' levy collected through PAYE, and the cap on earnings it is charged on.
Parliament
Budget each MayTax brackets, KiwiSaver settings and the parental leave rate, usually announced in the Budget and set in law.
The bright-line test in brief
Residential property bought and sold within 2 years is taxed as income if the sale happened on or after 1 July 2024, unless an exclusion such as the main home exclusion applies. The gain is added to your other income for the year, so it is taxed at your marginal rates rather than a flat rate.
The New Zealand tax year and the dates that matter
The New Zealand tax year runs from 1 April to 31 March, so 2026/27 covers to . Minimum wage, ACC levy and KiwiSaver changes take effect on 1 April, while the paid parental leave rate changes on 1 July.
| Date | What happens |
|---|---|
| 2026/27 tax year starts; minimum wage $23.95, ACC levy 1.75%, KiwiSaver default 3.5% | |
| Paid parental leave maximum rises to $811.05 a week | |
| 2025/26 individual income tax returns due if you have no tax agent | |
| Tax to pay for 2025/26 due if you have no tax agent | |
| 2026/27 tax year ends |
What changed for 2026/27
For 2026/27 the adult minimum wage rose to $23.95, the ACC earners' levy rose to 1.75%, and the default KiwiSaver contribution rose to 3.5% for both employees and employers, all from 1 April 2026. Tax brackets did not change.
| Figure | 2025/26 | 2026/27 |
|---|---|---|
| Adult minimum wage | $23.50 | $23.95 |
| ACC earners' levy | 1.67% | 1.75% |
| KiwiSaver default rate | 3% | 3.5% |
| In-work tax credit, weekly | $97 | $147 |
The in-work tax credit increase is temporary: it runs until 31 March 2027, or ends earlier if the price of 91 petrol stays below $3 a litre for four weeks in a row. Employees aged 16 and 17 in KiwiSaver also became eligible for compulsory employer contributions from 1 April 2026, and the default rate is legislated to rise again to 4% from 1 April 2028.
Mistakes that give the wrong NZ figure
The common NZ slips are assuming a tax-free threshold, taking 15% off a GST-inclusive price, and treating bright-line gains as taxed at a flat rate.
Assuming a tax-free threshold
New Zealand taxes the first dollar at 10.5%. Someone earning $15,600 pays $1,638 income tax for the year, where an Australian on the same figure would pay none.
Taking 15% off to remove GST
GST is three twenty-thirds of a GST-inclusive price. On $115 the GST is $15 and the price before GST $100. Taking 15% off gives $97.75, which overstates the GST by $2.25.
Taxing a bright-line gain at a flat rate
A bright-line gain is income, so it is added to your salary and taxed through the brackets. A $40,000 gain on top of a $65,000 salary is taxed at 30% up to $78,100 and 33% above it, not at one rate.
How these NZ calculators are built and checked
Each NZ calculator takes its rates from Inland Revenue, Employment New Zealand, ACC or the legislation itself, such as the Minimum Wage Order 2026, models the formula independently, and must match that model on test cases at every threshold before it is published.
When a rate changes, usually on 1 April or 1 July, the calculator, its examples and its source dates are updated together. Read the full process in our Editorial Policy.
Frequently asked questions
Short answers to the questions people ask most about New Zealand tax and pay in 2026/27.
For 2026/27, income tax is 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above $180,000. There is no tax-free threshold.
On a $65,000 salary in 2026/27 you pay $11,720.50 income tax and $1,137.50 ACC earners' levy, leaving $52,142.00 before KiwiSaver and student loan deductions.
The adult minimum wage is $23.95 an hour from 1 April 2026, up from $23.50. The starting-out and training minimum wages are $19.16 an hour, which is 80% of the adult rate.
Paid parental leave pays up to $811.05 a week before tax from 1 July 2026. Self-employed parents receive at least $239.50 a week, and you need to have worked an average of 10 hours a week for 26 of the 52 weeks before the birth.
Multiply a price before GST by 1.15 to add GST, or multiply a GST-inclusive price by 3 and divide by 23 to find the GST in it. A $115 price includes $15 GST. You must register once taxable supplies pass $60,000 in 12 months.
The ACC earners' levy is 1.75% of earnings up to $156,641 for 2026/27, so the most anyone pays is $2,741.22. It is deducted through PAYE with your income tax.
The bright-line period is 2 years for residential property sold on or after 1 July 2024. Selling within 2 years of buying makes the gain taxable unless an exclusion such as the main home exclusion applies.
Yes. Every calculator is free, with no account, no sign-up and no personal details asked for. The site is supported by labelled advertising kept away from inputs and results.
No. Results are estimates for planning, built from official rates. Tax codes, Working for Families, exclusions and your own circumstances can change the real figure, so confirm important numbers with Inland Revenue or a tax agent.
Sources
Every figure on this page comes from these official publications. Each calculator page lists its own sources as well.
- Tax rates for individuals, Inland Revenue. Checked .
- Taxation (Annual Rates for 2025-26, Compliance Simplification, and Remedial Measures) Act: changes from April 2026, Inland Revenue. Checked .
- Minimum wage rates, Employment New Zealand (Minimum Wage Order 2026, SL 2026/16). Checked .
- Paid parental leave, Inland Revenue (Parental Leave and Employment Protection Act 1987). Checked .
- KiwiSaver and student loans, Inland Revenue. Checked .
- GST, Inland Revenue (Goods and Services Tax Act 1985). Checked .
- Property and the bright-line test, Inland Revenue (Income Tax Act 2007, s.CB 6A). Checked .
- ACC levies, Accident Compensation Corporation. Checked .
Calculators for other countries
Tax years, rates and employment rules differ by country, so each one has its own set. Browse every calculator.
- United Kingdom calculators2026/27, 6 Apr to 5 Apr
Take-home pay, VAT, National Insurance, council tax, statutory pay, mortgages and student loans for 2026/27.
- Australia calculators2026-27, 1 Jul to 30 Jun
Income tax, GST, stamp duty, super, FBT, payroll tax and redundancy pay for 2026-27.
- Canada calculators2026, calendar year
Income tax by province, vacation pay, overtime, severance, minimum wage, RRSP and TFSA for 2026.
- USA calculators2026, calendar year
FLSA overtime, pay stubs, savings goals and spousal support for 2026.
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Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are estimates for planning, not tax, legal or financial advice. Tax codes, Working for Families, KiwiSaver choices, exclusions and your employment agreement can change the real figure. Confirm important numbers with Inland Revenue, Employment New Zealand or a tax agent before acting.