Income tax in New Zealand (2026)
In 2026, income tax in New Zealand runs from 10.5% to 39%. On a NZ$90,000 salary you take home NZ$68,847 a year, NZ$5,737 a month.
Income tax rates
- Top rate
- 39%
- Lowest rate
- 10.5%
- Tax-free allowance
- None
- VAT
- 15%
The 2026 bands, in New Zealand Dollar
| Taxable income (after allowance) | Rate |
|---|---|
| NZ$0 to NZ$15,600 | 10.5% |
| NZ$15,600 to NZ$53,500 | 17.5% |
| NZ$53,500 to NZ$78,100 | 30% |
| NZ$78,100 to NZ$180,000 | 33% |
| over NZ$180,000 | 39% |
Take-home pay by salary
NZ$35,000: NZ$29,875 take-home (14.6% total tax)NZ$40,000: NZ$33,912 take-home (15.2% total tax)NZ$45,000: NZ$37,949 take-home (15.7% total tax)NZ$50,000: NZ$41,987 take-home (16% total tax)NZ$60,000: NZ$49,250 take-home (17.9% total tax)NZ$70,000: NZ$55,555 take-home (20.6% total tax)NZ$80,000: NZ$62,322 take-home (22.1% total tax)NZ$90,000: NZ$68,847 take-home (23.5% total tax)NZ$100,000: NZ$75,372 take-home (24.6% total tax)NZ$120,000: NZ$88,422 take-home (26.3% total tax)NZ$150,000: NZ$107,997 take-home (28% total tax)NZ$200,000: NZ$140,181 take-home (29.9% total tax)NZ$250,000: NZ$170,681 take-home (31.7% total tax)NZ$300,000: NZ$201,181 take-home (32.9% total tax)NZ$400,000: NZ$262,181 take-home (34.5% total tax)NZ$500,000: NZ$323,181 take-home (35.4% total tax)
Compare with other countries
Cost of living in New Zealand
Frequently asked questions
What are the income tax rates in New Zealand?
Income tax in New Zealand runs from 10.5% to 39%, in 5 bands.
Is there a tax-free allowance in New Zealand?
No — New Zealand has no general tax-free allowance.
What is the take-home pay on NZ$90,000 in New Zealand?
On NZ$90,000 in New Zealand you take home NZ$68,847 a year — NZ$5,737 a month.
2026 rules checked against ird.govt.nz. Single person, employee, no other income. Not tax advice. Change the details