How It Is Worked Out
KiwiSaver default contributions rose to 3.5% for employees and employers from 1 April 2026. Self-employed ACC levies are set differently by ACC; the earners' levy is used here as an estimate.
| Taxable income | Rate |
|---|---|
| NZ$0 to NZ$15,600 | 10.5% |
| NZ$15,601 to NZ$53,500 | 17.5% |
| NZ$53,501 to NZ$78,100 | 30% |
| NZ$78,101 to NZ$180,000 | 33% |
| Over NZ$180,000 | 39% |
Example: NZ$75,000 a year comes to about NZ$16,033 in tax and contributions, taking home NZ$56,342.
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