2026/27 tax rates
| Income | Rate |
|---|---|
| up to $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30% |
| $78,101 – $180,000 | 33% |
| over $180,000 | 39% |
ACC earners’ levy for 2026/27 is 1.75% on earnings up to $156,641. The default KiwiSaver rate rose to 3.5% on 1 April 2026. Student loan repayments are not included.
FAQ
What is the take-home pay on $70,000 in NZ?
About $53,105 a year with 3.5% KiwiSaver: $13,221 tax, $1,225 ACC levy and $2,450 KiwiSaver.
Sources (checked 7 Nov 2026): Inland Revenue (ird.govt.nz) tax rates and ACC earners’ levy 2026/27.