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New Zealand
NZD · Tax year 2026–27

New Zealand

National calculators for every personal finance situation. PAYE, KiwiSaver, mortgage, GST and cost of living — all modelled on current IRD and RBNZ schedules.

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Calculators 8 IRD-aligned
Top Tax Rate 39% NZD 180k+ income
GST 15% standard rate
KiwiSaver 3% employer min.

Quick estimates

Run a one-input estimate before opening the full calculator. Sourced from IRD.

Take-home pay IRD 2026–27 PAYE brackets + 1.75% ACC levy
NZD
Estimated take-home NZD 62,323 /yr
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KiwiSaver projection Employee 3.5% + employer 3.5% to age 65
NZD
years
Projected balance at 65 NZD 406,441
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Mortgage repayment Principal & interest, 30-year term
NZD
% p.a.
Monthly repayment NZD 4,587 /mo
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Plan ahead

Upcoming New Zealand dates NEW

Tax filing, KiwiSaver, RBNZ rate decisions and inflation releases — sourced from IRD, RBNZ and Stats NZ.

Open calendar
September 2026
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  • 21OCT
    CPI inflation: September 2026 quarter
    Inflation · Stats NZ
    In 5 weeks
  • 28OCT
    RBNZ Monetary Policy Review
    interest-rate · RBNZ
    In 6 weeks
  • 09DEC
    RBNZ Monetary Policy Statement
    interest-rate · RBNZ
    In 12 weeks
See full calendar

What changed this year

Recent rate, bracket and threshold changes from IRD and the relevant authorities.

31 Jul 2024

PAYE thresholds raised

The lower four bracket thresholds were lifted for the first time since 2010. The 17.5% bracket now starts at NZD 15,600 and the 30% bracket at NZD 53,500.

IRD
1 Apr 2026

2026–27 tax year began

The New Zealand tax year runs 1 April to 31 March. The 39% top rate above NZD 180,000 (in effect since 1 April 2021) continues to apply.

IRD
1 Apr 2026

ACC earner levy increased to 1.75%

The ACC earner levy rate rose from 1.67% to 1.75% for the 2026–27 levy year, applied to income up to the annual cap.

IRD
1 Apr 2026

KiwiSaver employer rate stepped up to 3.5%

The employer KiwiSaver matching minimum rose to 3.5% (and to 4% from 1 April 2028) as part of the legislated step-up schedule.

IRD
Ongoing

RBNZ Official Cash Rate decisions

The Reserve Bank of New Zealand reviews the OCR at scheduled Monetary Policy Statement meetings. Mortgage calculators reference the published OCR.

RBNZ

How Money Snap calculators work

Three steps to a sourced estimate.

01

Select a calculator

Pick the New Zealand calculator that matches the figure to estimate.

02

Enter inputs

Add income, loan or property values. Inputs stay in your browser only.

03

Review the breakdown

See itemised results based on official IRD brackets and current rates.

Frequently asked questions

Common questions about Money Snap New Zealand calculators.

All calculations run in your browser. Inputs are not stored, transmitted or shared by Money Snap.
New Zealand calculators reference the IRD tax year, which runs from 1 April to 31 March.
The KiwiSaver Calculator applies the member rate selected (3%, 4%, 6%, 8% or 10%), the employer minimum of 3.5%, and the annual government contribution as published by IRD.
Residential properties acquired from 1 July 2024 are subject to a 2-year bright-line period. The calculators are estimates only — refer to IRD for liability determination.
GST is set at 15% by Inland Revenue. The GST Calculator applies this rate to add or remove GST from a price.
No. Money Snap provides educational tools only. Results are estimates and do not constitute financial, tax or legal advice.
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Money Snap New Zealand calculators are sourced from IRD and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

Methodology & data sources

How Money Snap New Zealand calculators are built, sourced and maintained.

Data sources
Inland Revenue Department
ird.govt.nz
PAYE brackets, ACC levy, KiwiSaver, GST, student loan thresholds
Reviewed quarterly
Reserve Bank of New Zealand
rbnz.govt.nz
Official Cash Rate, mortgage reference rates, inflation series
Reviewed monthly
Statistics New Zealand
stats.govt.nz
CPI for inflation calculations
Reviewed quarterly
Ministry of Business, Innovation & Employment
mbie.govt.nz
Minimum wage, employment standards
Reviewed quarterly
Methodology
Income tax IRD progressive brackets applied to gross income. 2026–27 brackets effective from 1 April 2026.
ACC earner levy 1.75% on income up to NZD 156,641 (annual cap) for the 2026–27 levy year, with no levy on income above the cap.
KiwiSaver Minimum 3.5% employee contribution + 3.5% employer contribution, modelled on a long-term growth assumption.
Mortgage Standard principal-and-interest amortisation with monthly compounding.
Editorial standards
  • Money Snap does not provide financial advice. Results are illustrative estimates only.
  • No product is ranked, recommended or endorsed.
  • No AI-generated investment recommendations are produced anywhere on the platform.
  • Rate figures are sourced exclusively from official government and regulatory channels.

This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to Inland Revenue (IRD) and the Reserve Bank of New Zealand (RBNZ) and seek independent professional advice.

Sources: IRD RBNZ