NZ 2026/27 PAYE, ACC & KiwiSaver
What contract rate is equivalent to your salary?
Example
$180,000 salary≈$110/hr contract
Using typical NZ contractor assumptions (44 billable weeks).
Includes PAYE, ACC, KiwiSaver, leave entitlements and realistic NZ working assumptions.
Compare a permanent package with a contract opportunity using NZ tax, ACC, KiwiSaver, leave entitlements and realistic working assumptions. Get a quick estimate in seconds or model a real offer in detail.
Built for New Zealand
- NZ PAYE rates
- ACC calculations
- KiwiSaver
- Leave entitlements
- Contractor comparisons
- 2026/27 settings
For quick comparisons using realistic NZ assumptions. Enter one number and receive an equivalent contract rate or salary estimate in seconds.
- Recruiter calls
- Interview discussions
- Market sense checks
- Initial offer assessment
Compare a real salary package and contract opportunity using actual figures, benefits, leave assumptions and business costs.
- Formal offers
- Contract negotiations
- Financial planning
- Personal budgeting
Understand your real earning rate
See how leave, expenses and working assumptions affect the true value of a contract rate.
Compare real offers
Model permanent packages and contract opportunities using your own figures and assumptions.
Private and free
Runs entirely in your browser. No account required. Save scenarios, share links and export reports.
This calculator was created to solve a common problem: comparing salary packages and contract opportunities properly using New Zealand-specific assumptions.