---
page_version: 5f0bad9fa2c9b884ac0f12276160d73c
content_date: 2026-09-29
entity_id: calculator:take-home:nz
entity_type: take_home_calculator
name: Take-home pay in New Zealand
canonical_url: https://immigrationdb.com/calculators/take-home-pay/new-zealand/
json_url: https://immigrationdb.com/data/calculators/nz.json
markdown_url: https://immigrationdb.com/data/calculators/nz.md
snapshot_id: approved-static-c6015be852c3d22b
generated_at: 2026-09-29
license_url: https://immigrationdb.com/about/copyright/
tax_year: 2025
currency: NZD
---

# Take-home pay in New Zealand

The national median gross salary in New Zealand is NZ$1,380 a week (2025). Over 52 weeks, NZ$71,760 a year, a single person without children pays NZ$13,748 in income tax and NZ$0 in employee social contributions and keeps NZ$58,012 a year: NZ$4,834 a month (€2,464 at the ECB rate for 2026-08), 80.8% of gross.

## Take-home pay by household

OECD Taxing Wages 2025; the average wage is NZ$83,073 a year. For the households with children, net pay includes the cash benefits the model adds.

### Single, no children

| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
| --- | --- | --- | --- | --- |
| 50% | NZ$41,537 | NZ$3,461 | NZ$2,990 | 86.4% |
| 67% | NZ$55,659 | NZ$4,638 | NZ$3,938 | 84.9% |
| 100% | NZ$83,073 | NZ$6,923 | NZ$5,482 | 79.2% |
| 133% | NZ$110,487 | NZ$9,207 | NZ$7,012 | 76.2% |
| 167% | NZ$138,732 | NZ$11,561 | NZ$8,589 | 74.3% |
| 200% | NZ$166,146 | NZ$13,846 | NZ$10,120 | 73.1% |
| 250% | NZ$207,683 | NZ$17,307 | NZ$12,301 | 71.1% |

### Single parent, two children

| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
| --- | --- | --- | --- | --- |
| 50% | NZ$41,537 | NZ$3,461 | NZ$4,507 | 130.2% |
| 67% | NZ$55,659 | NZ$4,638 | NZ$5,164 | 111.3% |
| 100% | NZ$83,073 | NZ$6,923 | NZ$6,134 | 88.6% |
| 133% | NZ$110,487 | NZ$9,207 | NZ$7,048 | 76.5% |
| 167% | NZ$138,732 | NZ$11,561 | NZ$8,589 | 74.3% |
| 200% | NZ$166,146 | NZ$13,846 | NZ$10,120 | 73.1% |
| 250% | NZ$207,683 | NZ$17,307 | NZ$12,301 | 71.1% |

### Couple, one earner, two children

| Share of the average wage | Gross a year | Gross a month | Net a month | Kept |
| --- | --- | --- | --- | --- |
| 50% | NZ$41,537 | NZ$3,461 | NZ$4,507 | 130.2% |
| 67% | NZ$55,659 | NZ$4,638 | NZ$5,164 | 111.3% |
| 100% | NZ$83,073 | NZ$6,923 | NZ$6,134 | 88.6% |
| 133% | NZ$110,487 | NZ$9,207 | NZ$7,048 | 76.5% |
| 167% | NZ$138,732 | NZ$11,561 | NZ$8,589 | 74.3% |
| 200% | NZ$166,146 | NZ$13,846 | NZ$10,120 | 73.1% |
| 250% | NZ$207,683 | NZ$17,307 | NZ$12,301 | 71.1% |

## Income tax schedule (2026)

The national schedule, as published by Inland Revenue Department.

| Taxable income | Rate | Applies to |
| --- | --- | --- |
| up to NZ$15,600 | 10.5% | — |
| NZ$15,600 – NZ$53,500 | 17.5% | — |
| NZ$53,500 – NZ$78,100 | 30% | — |
| NZ$78,100 – NZ$180,000 | 33% | — |
| above NZ$180,000 | 39% | — |

- Standard GST rate: 15%; reduced 0%

## Minimum wage

NZ$23.95 an hour (2026-04); NZ$49,816 a year at 40 hours a week for 52 weeks, and NZ$42,710 after income tax and employee contributions (NZ$3,559 a month).

## Sources

1. OECD, Taxing Wages — decomposition of taxes and benefits (dataflow OECD.CTP.TPS,DSD_TAX_WAGES_DECOMP@DF_TW_DECOMP,2.1). https://www.oecd.org/en/publications/taxing-wages-2025_b3a95829-en.html
2. Inland Revenue Department, Income tax schedule 2026. https://www.ird.govt.nz/en/income-tax/income-tax-for-individuals/tax-codes-and-tax-rates-for-individuals/tax-rates-for-individuals
3. Labour market statistics (income): June 2025 quarter, Labour market statistics (income): June 2025 quarter. https://www.stats.govt.nz/information-releases/labour-market-statistics-income-june-2025-quarter/
4. European Central Bank, Euro foreign exchange reference rates, NZD/EUR, monthly average. https://data.ecb.europa.eu/data/datasets/EXR/EXR.M.NZD.EUR.SP00.A

## Data

- HTML: https://immigrationdb.com/calculators/take-home-pay/new-zealand/
- JSON (the model for New Zealand): https://immigrationdb.com/data/calculators/nz.json