Summary
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Take Home Pay
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Gross Salary
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PAYE Tax
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ACC Levy
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KiwiSaver (You)
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Student Loan
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KiwiSaver (Employer)
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Based on NZ tax rates for the 2025-26 tax year.
KiwiSaver: Employee 3% + Employer 3% = Total 6%
This calculator provides estimates only.
Enter a salary to see your breakdown.
Income Breakdown
NZ Tax Bands (2025-26)
KiwiSaver
Employee contribution: 3%
Employer contribution: 3% (minimum 3%)
Total KiwiSaver: 6%
Government contribution: $521.43/year
Maximum contribution: $1,042.86/year
Tax year: 2025-26
KiwiSaver Comparison
Income Percentile
Income Range
Compares your income to other New Zealanders using Stats NZ percentile data, segmented by gender.
Source: Stats NZ income distribution data 2023
Data represents full-time equivalent earnings
Tax Distribution
How your tax contribution is distributed across government spending areas based on your income tax of $0.
NZ Economic Context
Your position in the New Zealand economy and how your contributions support the country.
STUDENT LOANS CALCULATOR
Calculate your NZ student loan repayments and plan your debt strategy
Student Loan Information
Repayment Thresholds & Rates
Repayment thresholds and rates for student loans are updated annually by the IRD. Since July 2019, all student loan types have been consolidated under the same repayment system.
Annual Indexation
Student loans undergo annual indexation to preserve their value against inflation. The typical rate is around 2%, but in 2023 it was 7.1%. Repayment thresholds are also adjusted for inflation annually.
Repayment Rate Chart
STUDENT LOAN REPAYMENT CALCULATOR
Use this tool to calculate the estimated duration required to repay your loan. Simply input your current loan amount as it stands today.
Student Loan Repayment Projection
Calculate the final repayment date of your debt. Adjust the average debt indexation rate to improve the projection as the Tax Office increases the debt and bracket thresholds inline with inflation. An increase in your wage over the life of the debt will pay off your loan sooner.
Repayment income (RI) is defined as taxable income plus any total net investment loss (which includes net rental losses), total reportable fringe benefits amounts, reportable super contributions and exempt foreign employment income.