New Zealand Tax and Pay Guides 2026
Plain-English guides to New Zealand PAYE and pay, with accurate figures for 2026.
KiwiSaver in 2026: Rates, Match, Government Money
KiwiSaver's 2026 changes explained: the 3.5% default rate, employer contributions and ESCT, the halved government contribution, and choosing a contribution rate.
NZ Tax Codes Explained (M, ME, SL, SB...)
What each New Zealand tax code means, who should use M, ME or a secondary code, and how the wrong code quietly over-taxes your pay.
ACC Earners Levy 2026/27
1.75% on earnings up to $156,641 (maximum $2,741), what the scheme covers and how it is deducted via PAYE.
Student Loan Repayment 2026/27
12% on income above $24,128 through PAYE, how to activate deductions with your employer and repayment tables.
New Zealand Income Tax Rates 2026-27: PAYE Bands
NZ PAYE bands for 2026/27: 10.5% to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, 39% above. Effective rate examples at key incomes.
Independent Earner Tax Credit 2026/27 New Zealand
The IETC gives $520 off your NZ tax bill if your income is $24,000 to $66,000. Tax code ME claims it automatically. Phases out by $70,000.
Working for Families NZ 2026-27: Credits and Abatement
Family Tax Credit up to $113.04/week per child, In-Work Tax Credit $72.50/week, Best Start $3,459/year. Abatement at $42,700 family income.
Secondary Tax New Zealand 2026-27: Second Job Rates
NZ secondary tax codes SB to SA: how to pick the right code for a second job, why the IR3 corrects any difference, and the student loan link.