Moving to New Zealand from the Philippines: your take-home pay
A New Zealand employer has given you a salary 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
$1,133.98a week
$58,967 a year · effective tax rate 21.4%
| Gross pay | $1,442.30 |
|---|---|
| PAYE income tax | −$283.08 |
| ACC earners’ levy | −$25.24 |
| Take-home pay | $1,133.98 |
Take-home across pay cycles
weekly
$1,134
fortnightly
$2,268
monthly
$4,914
annual
$58,967
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 you’re quoted is the gross figure for the year. Before you’re paid, just two things come out:
- PAYE income tax, deducted automatically each payday based on New Zealand’s tax bands.
- ACC earners’ levy at 1.75% of your income (up to a cap), which funds injury cover.
The practical bits when you arrive
- Get an IRD number — quick to apply for, and it avoids the 45% no-number tax rate.
- Choose your tax code on the IR330 form — usually M for a single main job.
- KiwiSaver is optional — you can join and pick a rate once you’re eligible.
To add KiwiSaver or compare offers, 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
What will I take home on a New Zealand salary?
Your offer is a gross annual figure. PAYE income tax and the 1.75% ACC earners’ levy are deducted before you’re paid. Enter the amount above to see your weekly, fortnightly and monthly take-home pay.
How do Filipino workers usually move to New Zealand?
Filipino workers are among New Zealand’s largest migrant groups, especially in healthcare, aged care, dairy and construction, and most arrive on an Accredited Employer Work Visa (AEWV). However you arrive, your pay is taxed the same way once you start.
Do I need an IRD number?
Yes — it’s your New Zealand tax number. Apply as soon as you arrive, because until your employer has it you’re taxed at the higher ‘no-notification’ rate of 45%.
Will KiwiSaver or a student loan come out of my pay?
Usually not when you first arrive. KiwiSaver is optional and generally only available once you’re a resident, and student loan deductions apply only to New Zealand loans. We leave both off by default.