What It Tracks in New Zealand
- Bank balances, Term Deposits, stocks, funds and ETFs, gold, crypto, bonds and property, valued in NZD.
- KiwiSaver: KiwiSaver, PIE fund, Workplace superannuation. From 1 April 2026 the default is 3.5% from you and 3.5% from your employer.
- Loans and cards, with a payoff planner that shows which debt to clear first.
- Imports: payslips, bank statements (DMY dates and local shop names understood), invoice lists and broker holdings, read inside your browser.
Tax Year 2026-27 Income Tax at a Glance
1 April 2026 to 31 March 2027. Rules as of October 2026.
| Income | Rate |
|---|---|
| NZ$0 to NZ$15,600 | 10.5% |
| NZ$15,601 to NZ$53,500 | 17.5% |
| NZ$53,501 to NZ$78,100 | 30% |
| NZ$78,101 to NZ$180,000 | 33% |
| Over NZ$180,000 | 39% |
Payroll Contributions
- ACC earners' levy (1.75%), up to NZ$156,641
- KiwiSaver, your 3.5% (saved for you)
KiwiSaver default contributions rose to 3.5% for employees and employers from 1 April 2026. Self-employed ACC levies are set differently by ACC; the earners' levy is used here as an estimate.
Example: a salary of NZ$75,000 a year.
Income taxNZ$14,720
ACC earners' levy (1.75%)NZ$1,313
KiwiSaver, your 3.5% (saved for you)NZ$2,625
Total NZ$16,033, an effective rate of 21.4%. Take-home about NZ$56,342 a year, or NZ$4,695 a month after savings contributions.
Self-Employed and Freelancers
- Self-employed income is taxed at the same rates, filed on an IR3 return.
- Provisional tax applies once your residual income tax is over NZ$5,000.
- Put aside money for tax and ACC levies as you invoice.
- GST registration is required once turnover passes NZ$60,000 a year.
On NZ$75,000 of profit, tax and contributions come to about NZ$16,033, so setting aside NZ$1,336 a month keeps you covered.
Key Dates
- 15 January: Second provisional tax instalment
- 1 April: New tax year starts
- 7 May: Third provisional tax instalment
- 7 July: File your IR3 return if you do it yourself
- 28 August: First provisional tax instalment
If Something Goes Wrong
- Banking Ombudsman Scheme: Free help with complaints about banks.
- Financial Markets Authority: Report concerns about investment providers.
- Financial Services Complaints Ltd: Disputes with insurers, lenders and advisers.
- Netsafe: Help with online scams and fraud.