Hourly pay after tax, 2026-27
Hourly pay calculator NZ
Turn an hourly rate into take-home pay after PAYE, KiwiSaver and student loan. It starts at the $23.95 adult minimum wage.
Earnings
Deductions
Paid by your employer on top
Checked 21 October 2026 against Inland Revenue's Payroll Calculations and Business Rules Specification 2026-27, the IR340 and IR341 PAYE tables (April 2026) and the Accident Compensation (Earners' Levy) Regulations 2025. How we check.
Does not model secondary jobs, bonuses and other extra pays, child support, payroll giving, tailored tax codes or Working for Families. Each line is the yearly amount divided by the number of pays; payroll works out each pay on its own, so a payslip can differ by a few cents. Why your payslip differs.
These figures are estimates based on the information you entered and the 2026-27 rules published by Inland Revenue for PAYE, the ACC earners' levy, KiwiSaver and student loans. They are general information, not tax, financial or legal advice. Your actual pay can differ, for example because of your tax code, how your employer runs payroll, extra pays such as bonuses, your ESCT rate or other deductions. Check your payslip, or ask your employer or Inland Revenue, before relying on these figures.
Each fortnightly pay, worked out Inland Revenue's way
$0.01 more than the yearly figure divided by 26, because payroll works out the PAYE on each pay separately and cuts it to whole cents.
Payroll multiplies each pay by the number of pays in a year, drops the cents, works out the year's PAYE, divides by 52 and converts back, cutting to whole cents at each step. How payroll works it out.
$23.95 an hour at different hours
| Hours a week | Pay a year | Take-home a week | Take-home an hour |
|---|---|---|---|
| 20 | $24,908.00 | $391.03 | $19.55 |
| 30 | $37,362.00 | $576.04 | $19.20 |
| 37.5 | $46,702.50 | $714.80 | $19.06 |
| 40 | $49,816.00 | $761.06 | $19.03 |
| 45 | $56,043.00 | $847.45 | $18.83 |
Pay a year is the hourly rate × hours × 52 weeks, with paid holidays inside the 52 weeks. Uses the tax code, KiwiSaver and student loan options above.
The adult minimum wage is $23.95 an hour from 1 April 2026
The adult minimum wage rose from $23.50 to $23.95 an hour on 1 April 2026, and the starting-out and training minimum wage from $18.80 to $19.16. These are rates before tax. Employment New Zealand explains who the starting-out and training rates apply to. Source: Employment New Zealand: minimum wage from 1 April 2026 (published 9 March 2026).
At 40 hours a week the adult minimum wage is $49,816.00 a year, which leaves $761.06 a week after PAYE and 3.5% KiwiSaver.
Common hourly rates after tax
| Hourly rate | Pay a year (40 hours) | Take-home a week | Take-home an hour | Nearest salary page |
|---|---|---|---|---|
| $19.16 | $39,852.80 | $613.05 | $15.33 | $40,000 |
| $23.95 | $49,816.00 | $761.06 | $19.03 | $50,000 |
| $25.00 | $52,000.00 | $793.50 | $19.84 | $50,000 |
| $28.00 | $58,240.00 | $874.81 | $21.87 | $60,000 |
| $30.00 | $62,400.00 | $926.61 | $23.17 | $60,000 |
| $35.00 | $72,800.00 | $1,056.11 | $26.40 | $75,000 |
| $40.00 | $83,200.00 | $1,182.66 | $29.57 | $85,000 |
| $50.00 | $104,000.00 | $1,429.66 | $35.74 | $105,000 |
| $60.00 | $124,800.00 | $1,676.66 | $41.92 | $125,000 |
Tax code M, KiwiSaver at 3.5%, no student loan, 40 hours a week.
From an hourly rate to what reaches your bank
Hours and weeks turn a rate into a year's pay. PAYE, KiwiSaver and any student loan then come off in the same way as for a salary, so the take-home rate an hour is lower than the rate on your contract.
Salary after tax
More tools
- PAYE calculatorTake-home pay after PAYE, KiwiSaver and student loan, for any pay.
- KiwiSaver calculatorWhat you, your employer and the government put in at each rate.
- Student loan repayment calculatorRepayments a year and on each pay, above the $24,128 threshold.
- Tax rates 2026-27Income tax bands, ACC levy, IETC, tax codes and KiwiSaver rates.
- Why your payslip differsHow payroll works out each pay, and why it can differ by a few cents.