Contractor Tax to set-aside
Put aside a practical allowance for income tax and GST as a self-employed contractor.
Use this calculatorPAYE · New Zealand · 2026–27
NZ PAYE & take-home pay calculator 2026/27
Enter an annual salary and the deductions that apply to see an annual, monthly, fortnightly or weekly planning estimate.
Live planning estimate
Add the figures you know.
The result updates immediately. No contact details are required and nothing is submitted to KGA.
General information only, not tax or financial advice. Settings checked 13 August 2026. Your circumstances, tax code, filing dates or ACC cover can change the result.
Put the result in context
Planning payroll or a new role?
KGA can help you review employment costs, set up Xero payroll and make sure the real payroll settings fit the person and the job.
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Before relying on the estimate
Questions this calculator cannot decide alone.
Is this the same as a payroll calculation?+
No. It is an annualised planning estimate. Tax codes, secondary jobs, irregular payments, employer KiwiSaver, ESCT and other payroll settings can change actual deductions.
Does the estimate include Working for Families?+
No. Working for Families and other personal entitlements sit outside this calculator.
Why is the KiwiSaver default 3.5%?+
The default employee contribution increased to 3.5% from 1 April 2026. A temporary 3% contribution remains selectable where it applies.