Payroll tool
NZ PAYE / Net Pay Calculator
Enter employee pay, period, income type, KiwiSaver and student loan settings to estimate gross pay, PAYE deductions, employer KiwiSaver, ESCT, total to IRD and net pay.
Important:
This calculator is an estimate for planning only. PAYE, ACC earners' levy, student loan, KiwiSaver and ESCT settings can change.
For filing, use IRD payroll guidance, payday filing software or the official IRD calculator.
"To IRD" includes PAYE/ACC/student loan deductions, employee KiwiSaver and gross employer KiwiSaver contribution.
Student loan can be selected through M SL / ME SL or the separate checkbox for other scenarios.
| Employee | Amount | Income type | Employee KS | Employer KS | Student loan | Gross | PAYE/ACC/SL | Employee KS | Employer KS gross | ESCT | Employer KS net | Net pay | To IRD |
|---|
Supported scope
Draft calculation coverage
Common income types: M, M SL, ME, ME SL, secondary income and no declaration. Student loan can also be selected separately. Supports common pay periods, gross-to-net, net-to-gross, employee KiwiSaver, employer KiwiSaver, ESCT and student loan estimates.
2025-26 income tax brackets loaded
ACC earners' levy estimate included
ME includes an independent earner tax credit estimate
Employee and employer KiwiSaver included
ESCT rate auto-estimated from annualised pay
Student loan threshold estimate included