NZ Tax Brackets Visualized – Simple Money NZ

NZ Income Tax Bracket Calculator (2026-27)

See exactly how your income fills New Zealand's five tax brackets, what each slice costs, and how much of any extra income you actually keep.

Annual taxable income ($)

Salary, wages, self-employed profit, and other taxable income. Slide up to $300k or type any amount. NZ taxes individuals, not couples, and there is no tax-free threshold. PIE income does not belong here — it goes in the PIE slider below.

Include ACC earner's levy (1.75%, capped at $156,641 of earnings)

I qualify for the IETC ($520 credit, income $24,000–$70,000, not receiving Working for Families, a benefit, or NZ Super)

Extra income (pay rise, bonus, side income) $0

PIE investment income (KiwiSaver, index funds) $0

Income tax

Effective rate

Marginal rate

Take-home

Your income Extra income Unused bracket room

Each bucket is one tax bracket. Your income fills the first bucket, overflows into the second, and so on. Only the money inside a bucket is taxed at that bucket's rate: filling a new bucket never changes the tax on the ones already full.

Bracket	Rate	Your income in this bracket	Tax

General information only, not financial advice and not a recommendation. Uses the 2026-27 income tax scale (1 April 2026 to 31 March 2027; unchanged by Budget 2026), the 1.75% ACC earner's levy capped at $156,641 of liable earnings, and the $520 IETC abating at 13 cents per dollar above $66,000. The PIE comparison determines your PIR from the income entered above (10.5% if taxable income is $15,600 or less and combined income is $53,500 or less; 17.5% if taxable income is $53,500 or less and combined income is $78,100 or less; otherwise 28%); the official test uses the lower of your last two years' income, so check your actual PIR with IRD or your provider. PIE tax is a final tax and PIE income is excluded from your taxable income; the "outside a PIE" comparison assumes the same income taxed at your marginal rates, as interest or non-PIE fund income would be, with no ACC levy on investment income. Does not model KiwiSaver contributions, student loan repayments (12% above $24,128), secondary tax codes, Working for Families, foreign investment fund rules, or provisional tax. Your actual PAYE is calculated by your employer from IRD's tables. Check current rates at ird.govt.nz or talk to a financial adviser about your situation.