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On $80,000 gross for 2025/26 you keep roughly $60,436 a year, about $5,036 a month. Income tax accounts for $17,920 and the ACC earners' levy for $1,644.

By OECD standards the load is moderate. There is no social insurance contribution beyond the ACC levy, and GST does not touch wages.

Five bands:
10.5% to $14,000
17.5% from $14,001 to $48,000
30% from $48,001 to $70,000
33% from $70,001 to $180,000
39% above $180,000

It is charged at 2.055% on earnings up to $142,283 in 2025/26, so it tops out at about $2,924 a year.

The levy funds the Accident Compensation Corporation, a no-fault scheme that covers medical costs and income replacement after an injury regardless of who caused it. The trade-off is that in most circumstances it also removes the right to sue for personal injury.

Only if you are in it. KiwiSaver is voluntary, and members choose a contribution rate of 3%, 4%, 6%, 8% or 10% of gross salary, with the employer adding at least 3% on top. You can opt out within eight weeks of starting a job.

Because the rate is a personal choice, the breakdown here does not deduct KiwiSaver.

Not formally, no. Tax starts from the first dollar.

What exists instead is the Independent Earner Tax Credit, worth up to $520 a year, which eases the burden for people earning between $24,000 and $48,000. Households on lower and middle incomes may also qualify for Working for Families credits, which depend on family circumstances rather than earnings alone.