New Zealand Income Tax Calculator (2026–27)
Calculate New Zealand income tax for 2026–27 from your annual income, with a band-by-band breakdown, effective and marginal rates, and IETC.
New Zealand taxes personal income in five progressive bands, so each rate applies only to the dollars inside its band. Enter your annual taxable income to see the tax for the 2026–27 year (1 April 2026 – 31 March 2027), which uses the same rates and thresholds Inland Revenue has applied since 1 April 2025. You can also apply the independent earner tax credit (IETC) if you qualify.
How to use this tool
- Enter your total taxable income for the tax year, before any tax is taken off.
- Tick IETC if your income is $24,000–$70,000 and you don't receive Working for Families, NZ Super, a main benefit or similar payments.
- Read the tax, after-tax income, effective and marginal rates, and the band-by-band table.
Formula
Tax = 10.5% × first $15,600 + 17.5% × ($15,601–$53,500) + 30% × ($53,501–$78,100) + 33% × ($78,101–$180,000) + 39% × income over $180,000
IETC = $520 a year (about $10 a week) for income from $24,000 to $66,000, reduced by 13 cents for every dollar over $66,000 and reaching zero at $70,000. The effective rate is total tax ÷ income.
Example
On $65,000: 10.5% of $15,600 = $1,638; 17.5% of $37,900 = $6,632.50; 30% of the last $11,500 = $3,450. Total income tax is $11,720.50, leaving $53,279.50. The effective rate is 18.03%, while the marginal rate — the tax on your next dollar — is 30%.
Frequently asked questions
Can a pay rise leave me worse off?
No. Moving into a higher band only taxes the extra dollars at the higher rate. The one range to watch is $66,000–$70,000 if you get IETC: losing 13 cents of credit per dollar on top of the 30% rate makes the effective marginal rate 43% there.
Is the ACC levy included?
No. The ACC earners’ levy (1.75% for 2026–27, on earnings up to $156,641) is collected separately. Use the salary after-tax calculator to include it with KiwiSaver and student loan deductions.
Which tax years do these rates cover?
Both the 2025–26 year ending 31 March 2026 and the 2026–27 year ending 31 March 2027. The 2024–25 year used blended rates because thresholds changed on 31 July 2024, so it is not covered.
What counts as taxable income?
Salary and wages, self-employed profit, net rental income, interest and dividends are added together. Income from a PIE fund taxed at your prescribed investor rate is usually left out.
Sources
This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.
Last updated: 2026