2026–27 tax year (1 April 2026 – 31 March 2027)
Salary after tax
Your salary as a skyscraper
Each floor is a slice of your yearly salary with its own tax rate. Blue is what you keep from that floor; red goes to tax and yellow to contributions. Your marginal rate applies only to the top floor, the next slice of pay you earn. A raise adds floors on top, and the floors below keep their rates.
Yearly amounts. Hover or tap a floor for its numbers. Very thin slices are merged into the floor below; the Marginal rate tab lists every threshold.
Breakdown by pay period
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Your marginal tax rate
Marginal rate is the share of your next unit of salary that goes to tax and payroll deductions. Average rate is the share of your whole salary that does.
Tax brackets apply only to the slice of income that falls inside each one. Moving into a higher bracket raises the rate on the extra income only; everything below keeps its lower rates. That is why the average rate climbs slowly behind the marginal rate.
The marginal rate also moves when a payroll contribution reaches its yearly ceiling (it falls), when an allowance or credit is phased out (it rises), or when a levy phases in.
- Marginal rate
- Average rate
- Your salary
Where your marginal rate changes
Take-home pay at other salaries
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How this is calculated
Rules, rate tables, what's not included, and official sources
- Income tax brackets below apply to the whole salary; New Zealand has no tax-free threshold.
- The ACC earners' levy is 1.75% of earnings up to $156,641.
- KiwiSaver employee contributions are deducted from gross pay at the rate you choose (3.5% by default from 1 April 2026) and do not reduce taxable income.
| Taxable income | Rate |
|---|---|
| Up to $15,600 | 10.5% |
| $15,600 – $53,500 | 17.5% |
| $53,500 – $78,100 | 30% |
| $78,100 – $180,000 | 33% |
| Over $180,000 | 39% |
Not included
- The independent earner tax credit (IETC) and other tax credits.
- Student loan repayments and secondary tax codes.
- Employer superannuation contribution tax on the employer's KiwiSaver contribution.
If you are in KiwiSaver, your employer contributes at least 3.5% of gross pay on top of salary (less employer superannuation contribution tax).
Sources
- Inland Revenue — Tax rates for individuals
- Inland Revenue — ACC earners' levy rates
- Inland Revenue — KiwiSaver
Rates last checked against these sources on 2026-09-30.