MyPAYE - NZ Finance Calculator

INDEPENDENT APP — NOT A GOVERNMENT SERVICE
MyPAYE is an independent, privately developed application. It is not affiliated with, endorsed by, or connected to Inland Revenue New Zealand (IRD), ACC, Work and Income (WINZ), the Financial Markets Authority (FMA), or any New Zealand government agency. MyPAYE does not represent the New Zealand government in any capacity.

OFFICIAL SOURCES
All tax rates and thresholds used in this app are sourced from publicly available New Zealand government publications:
- PAYE, KiwiSaver, Student Loan, WFF: ird.govt.nz
- ACC earner levy: acc.co.nz
- Minimum wage: employment.govt.nz
- Work and Income benefit rates: workandincome.govt.nz

Living in New Zealand or thinking of moving to New Zealand, estimate you New Zealand take-home pay in seconds — including PAYE tax, ACC levy, KiwiSaver, student loan, Working for Families, and more. All calculations happen on your device. No internet. No sign-in. No data leaving your phone.

★ PAYE CALCULATOR
Enter your salary and instantly see your weekly, fortnightly, and monthly net pay. Full bracket-by-bracket breakdown of PAYE tax. Download a detailed PDF.

★ 20 FINANCIAL TOOLS INCLUDED
• Budget Planner — 50/30/20 and custom categories with savings goals
• FIRE Calculator — Financial Independence number, time to retire, NZ Super offset
• KiwiSaver Toolkit — Projection to 65, government credit tracker, first home withdrawal, PIR checker
• Pay Rise Calculator — Compare two salaries side by side
• Working for Families — Full FTC, IWTC, Best Start and IETC breakdown with abatement
• Holiday Pay Calculator — Annual leave (OWP vs AWE), 8% final pay, public holidays
• Sole Trader vs Company — Side-by-side tax comparison with dividends and imputation
• GST Advisor — $60k threshold checker, net GST calculator, filing period guide
• FIF Tax Calculator — Foreign shares over $50k, FDR vs CV method
• Redundancy Calculator — Lump-sum tax, Schedule 2 rates
• Provisional Tax Planner — Three instalments, standard vs estimation method
• Contractor Rate Advisor — IR330C withholding rate, GST threshold alerts
• Mortgage Affordability — NZ DTI limits, LVR rules, stress-test calculator
• Student Loan Payoff — Debt-free date projection, overseas interest warnings
• Rental Income — Bright-line, ring-fencing, deductible expenses
• Minimum Wage Checker — Current rates, underpayment detection
• Benefit & Work Calculator — Jobseeker abatement, break-even hours
• Tax Refund / Bill Estimator — End-of-year refund or tax bill prediction
• Pay Period Breakdown — PAYE, ACC and KiwiSaver per week, fortnight, month
• Calculation History — Save and revisit past results with full PDF export

★ 2026/27 TAX YEAR —
PAYE brackets, ACC levy (1.75%), KiwiSaver rates, WFF rates, student loan thresholds, and provisional tax rules are all current for the 2026/27 New Zealand tax year.

★ 100% PRIVATE
No account required. No ads. No analytics. All data is stored only on your device and can be deleted at any time in Settings.