Moving to New Zealand from India: your take-home pay
A New Zealand employer has given you a salary figure and you want to know exactly what reaches your bank account. Enter the gross salary you were quoted to see your New Zealand take-home pay after tax.
Your results
Your estimated take-home pay
$1,323.99a week
$68,848 a year · effective tax rate 23.5%
| Gross pay | $1,730.76 |
|---|---|
| PAYE income tax | −$376.49 |
| ACC earners’ levy | −$30.28 |
| Take-home pay | $1,323.99 |
Take-home across pay cycles
weekly
$1,324
fortnightly
$2,648
monthly
$5,737
annual
$68,848
Estimate for the 2026/27 tax year. Your actual pay may vary with your tax code and rounding.
How New Zealand take-home pay works
The salary an employer quotes is the gross figure for the year. Before you’re paid, two deductions come out:
- PAYE income tax, worked out on New Zealand’s progressive tax bands and deducted automatically each payday.
- ACC earners’ levy at 1.75% of your income (up to a cap), which funds injury cover.
The practical bits when you arrive
- Apply for an IRD number once you have a NZ address — it avoids the 45% no-number tax rate.
- Pick a tax code on the IR330 form your employer gives you — code M for a single main job.
- KiwiSaver is a choice, not automatic, while you’re on a temporary visa.
Want to add KiwiSaver or compare salaries? Use the full NZ PAYE calculator, or read the general moving to New Zealand guide.
New Zealand pay terms, explained
New here? These are the words you’ll see on a New Zealand payslip or job offer.
- Gross pay
- Your full salary or wage before anything is taken out — the figure an employer usually quotes you.
- Take-home pay
- What actually lands in your bank account after all deductions. Also called your net pay.
- PAYE
- ‘Pay As You Earn’ — the income tax your employer deducts from each pay and sends to Inland Revenue for you. You don’t file or pay it separately.
- Inland Revenue (IRD)
- New Zealand’s tax department — the equivalent of HMRC or the ATO. ‘IRD’ is how most people refer to it.
- IRD number
- Your personal tax number. You give it to your employer so you’re taxed correctly. Without it you’re taxed at a higher 45% ‘no-notification’ rate.
- Tax code
- A short code (like M or ME) that tells your employer how much tax to deduct. Most people with one main job use M. You set it on an IR330 form.
- ACC earners’ levy
- A small compulsory levy (1.75% of your income, up to a cap) collected with your PAYE. It funds ACC, which covers the cost of injuries for everyone in New Zealand.
- KiwiSaver
- New Zealand’s voluntary workplace savings scheme for retirement. If you join, you choose a contribution rate (from 3%) that comes out of your pay, and your employer contributes too. It’s optional, not automatic.
- Student loan
- If you have a New Zealand student loan, 12% of income over a threshold is deducted through your pay. Loans from other countries are not collected here.
- IETC
- The Independent Earner Tax Credit — a small tax credit (up to $520 a year) for middle-income earners who don’t receive certain benefits.
Common questions
I’ve been offered a salary in NZ — what will I take home?
New Zealand salaries are quoted as a gross annual figure. Your employer deducts PAYE income tax and the 1.75% ACC earners’ levy before paying you. Enter your quoted figure above to see the weekly, fortnightly and monthly amount that lands in your account.
How do most people move to New Zealand from India?
India is New Zealand’s largest source of new migrants. Most arrive on a work visa such as the Accredited Employer Work Visa (AEWV), or through the Skilled Migrant Category. Whichever visa you’re on, your pay is taxed the same way once you start work.
Do I need an IRD number?
Yes — an IRD number is your New Zealand tax number. Apply for one as soon as you arrive. Until your employer has it, you’re taxed at the higher ‘no-notification’ rate of 45%, so it’s worth sorting straight away.
Will KiwiSaver or a student loan be deducted?
KiwiSaver is optional and usually only available once you’re a resident, and student loan deductions apply only to New Zealand loans. For most people arriving from India, neither applies at first — so we leave both off by default.