Your salary. Your actual money.
The number in your employment agreement and the number that lands in your account are two different numbers. See your real weekly, fortnightly and monthly take-home — tax, ACC, KiwiSaver and student loan already subtracted.
Your gross salary — the number in your employment agreement
KiwiSaver contribution
Student loan?
Free, no signup — nothing you type leaves this page. The maths runs entirely in your browser.
Take-home pay
$—
Uses 2025–26 rates: NZ income tax brackets, the ACC earners’ levy, and the standard student loan threshold. A planning estimate for salaried PAYE income — secondary jobs, extra pays and tax credits aren’t modelled. KiwiSaver shown is your contribution only; your employer adds at least 3% on top.
Good questions. Clear answers.
Why is my take-home pay so much less than my salary?
Four deductions happen before pay reaches you: income tax (PAYE) across NZ’s bracketed rates, the ACC earners’ levy, your KiwiSaver contribution if you’re enrolled, and student loan repayments (12% of income above the threshold) if you have one. New Zealand has no tax-free threshold, so every dollar is taxed from the first.
Which rates does this calculator use?
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Does KiwiSaver reduce my take-home pay?
Your own contribution (3–10% of gross) comes out of your pay, so yes — but your employer adds at least 3% on top of your salary, and the government contributes an annual top-up. It is the only deduction on the payslip that is still your money.
What should I budget from — salary or take-home?
Always take-home. Budgets built on gross salary are fiction. Owdyn works from your actual imported transactions, so your Safe to Spend is calculated from the money that genuinely arrives.
One calculation is a snapshot. Owdyn keeps it live.
Import your transactions and Owdyn runs the numbers continuously — bills, BNPL and goals already subtracted from one honest Safe-to-Spend figure. Free during beta.
Free during beta · No credit card · Nothing you typed here was stored