IRD rates · 1 April 2025 (2025/26 tax year)
NZ take-home pay by salary
Pick the salary closest to yours and see exactly what you keep after PAYE, ACC and KiwiSaver — no calculator interaction required. Every figure uses the current 2025/26 IRD rates and the new 3.5% KiwiSaver default that takes effect on 1 April 2026.
Published salary pages
$30,000
Take-home
$24,291 / year
About what a part-time minimum-wage role (~24h/week) brings in over a year. Below the IETC abatement floor, so the full $520 credit applies.
$40,000
Take-home
$32,024 / year
Roughly a full-year traineeship, apprentice first-year, or 33h/week at the adult minimum wage. Sits inside the 17.5% bracket and qualifies for full IETC.
$48,880
Take-home
$38,891 / year
Full-time on the New Zealand adult minimum wage ($23.50 × 40h × 52 weeks). The cleanest reference point for everyone working a 40-hour minimum-wage job.
$50,000
Take-home
$39,757 / year
Just above the minimum-wage floor — a common starting salary for retail leads, hospitality supervisors and entry-level admin roles in 2025/26.
$55,000
Take-home
$43,436 / year
Where a lot of "first proper job" salaries land — junior policy advisors, graduate engineers, year-two teachers and many council roles.
$60,000
Take-home
$46,678 / year
A common offer for skilled trades after time-served, junior accountants, and most year-three nurses on the NZNO collective.
$65,000
Take-home
$49,919 / year
Entry-level public-service A-band, mid-career hospitality management, or a senior carpenter on a steady site. Inside the 30% bracket.
$70,000
Take-home
$53,161 / year
Right under the Stats NZ median wage. Where MoneyHub, Te Ara and most Sorted articles set their default "average Kiwi" worked example.
$75,000
Take-home
$56,402 / year
Approximate Stats NZ median annual income for full-time wage and salary earners (June 2024 quarter — $75,400).
$80,000
Take-home
$59,587 / year
A round number widely quoted as the "comfortable single-income" benchmark in Auckland and Wellington. Just inside the 33% bracket.
$85,000
Take-home
$62,678 / year
Common second-promotion salary for engineers, registered nurses on Step 5, year-7 teachers, and constables after the 2024/25 pay round.
$90,000
Take-home
$65,770 / year
Near the top of most public-service grade B bands, and the typical contract-rate equivalence threshold ($90k salary ≈ $80–95/hr contract).
$95,000
Take-home
$68,861 / year
Mid-career senior individual-contributor salary across software, finance and corporate communications in NZ private sector.
$100,000
Take-home
$71,953 / year
The classic six-figure milestone — useful for KiwiSaver projections and contractor-rate comparisons. Marginal rate is still 33%.
$110,000
Take-home
$78,136 / year
Common senior policy/principal-engineer band. Where serious KiwiSaver employer-match conversations start mattering.
$120,000
Take-home
$84,319 / year
Approximately the 80th percentile of full-time NZ wage and salary earners. Senior management band entry across most sectors.
$130,000
Take-home
$90,502 / year
Lower end of NZ executive and director-equivalent salaries outside the very largest companies. Still inside the 33% bracket on every dollar.
$140,000
Take-home
$96,685 / year
Senior management or specialist consultant band — common for senior solicitors, registered specialists in early career, and Tier-3 public-service leaders.
$150,000
Take-home
$102,868 / year
A widely searched salary because it sits just below the 39% top-bracket trigger ($180k) — useful for marginal-rate planning.
$160,000
Take-home
$109,171 / year
Tier-2 public-service deputy chief executive band, partner-track in mid-sized professional services. Approaching the top tax bracket.
$170,000
Take-home
$115,521 / year
Final stop before the 39% top bracket. Every dollar earned above $180,000 is taxed at 39%, so this is the natural KiwiSaver-bump decision point.
$180,000
Take-home
$121,871 / year
The exact point where the 39% top tax bracket begins in New Zealand. Every dollar from here up is taxed at 39%.
$200,000
Take-home
$133,371 / year
Established executive and senior-partner band. The first $180,000 is taxed at 33%, only the remaining $20,000 at 39%.
$220,000
Take-home
$144,871 / year
Senior executive band — top of NZ medical specialist scales, partner-equivalent in larger firms, GM band in listed companies.
$250,000
Take-home
$162,121 / year
Approaching the top decile of NZ income earners. A useful number for testing how much extra take-home a 39%-bracket pay rise actually leaves.
$300,000
Take-home
$190,871 / year
C-suite of mid-sized NZ companies. The 39% top bracket applies to almost half the salary, so effective tax climbs noticeably.
$400,000
Take-home
$248,371 / year
Executive of a listed NZ50 company or partner in a large professional-services firm. About 60% of the salary sits inside the 39% bracket.
$500,000
Take-home
$305,871 / year
Top end of NZ salaried employment outside CEO of a listed company. Useful for understanding what an extra $100k actually nets after 39% tax.
Each card shows the take-home figure assuming a 3.5% KiwiSaver employee rate, no student loan and a single primary tax code (M). Open any card to tweak those assumptions, see PAYE/ACC/KiwiSaver line items, and jump to the related salaries either side.