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Tax calculators / New Zealand

New Zealand income tax brackets calculator 2026–27

Enter annual taxable income to calculate the individual income-tax bands before credits. This is the income tax component only. It excludes ACC, KiwiSaver and student-loan deductions, so the result is not PAYE or take-home pay.

New Zealand · 2026–27

All amounts in NZD

Use annual taxable income for the full year. This tool does not calculate deductions, tax credits, ACC or payroll tax-code adjustments.

Income tax before credits

$13,220.50

Annual amount · 2026–27 · Not take-home pay

How the tax bands apply to your input
Taxable income bandRateIncome in bandTax
$0.00 to $15,600.0010.5%$15,600.00$1,638.00
Over $15,600.00 to $53,500.0017.5%$37,900.00$6,632.50
Over $53,500.00 to $78,100.0030%$16,500.00$4,950.00
Over $78,100.00 to $180,000.0033%$0.00$0.00
Over $180,000.0039%$0.00$0.00

The total is rounded after adding the bands. Individually rounded rows can differ from the total by a cent.

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The tax year starts in April

The 2026–27 income year runs from 1 April 2026 to 31 March 2027. The individual bands shown here have applied from 1 April 2025. A payroll result can still change when a levy or contribution setting changes.

What PAYE adds to income tax

A useful salary estimate must account for the relevant ACC earners’ levy and any student-loan and KiwiSaver deductions. Eligibility for tax credits can matter too. This bracket tool leaves those decisions to the appropriate payroll calculation.

A second job is a withholding question too

Tax codes help the payer deduct tax during the year. A secondary tax code is not a second, separate annual progressive tax system. Use Inland Revenue’s tax-code guidance if you have more than one income source.

Why does this differ from a PAYE calculator?

This result covers income tax before credits only. PAYE and your bank deposit involve additional rules, including levies, tax codes and selected payroll deductions. Compare the same year and components before judging a difference.

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About this calculation

Published by TaxCalcTool. The formula has automated reference and boundary tests. No professional tax review or government endorsement is claimed. Read our content and correction policy.