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Individual FY26 Tax Position Calculator

Refund or tax payable estimate.

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1. INPUTS
Input
Your Value
Source / Notes
EMPLOYMENT INCOME & PAYE
From final payslip / income summary
Tax deducted by employer
Usually yes for salary/wages
OTHER INCOME
Use taxable amount before credits
Credits already deducted/available
Net income after allowable expenses
e.g. schedular tax deducted
CREDITS & SETTINGS
Not for WFF, benefit, NZ Super, student allowance etc.
Only if using ME / related tax code
Usually claimed separately via IR526
%
2025/26 rate
2025/26 maximum
i
This is a planning estimate only. IRD may calculate differently where income types, tax credits, Working for Families, student loans, KiwiSaver, or prior-year adjustments apply.
2. FY26 TAX POSITION SUMMARY
DescriptionAmount (NZD)
Total taxable income
Income tax payable on total taxable income
ACC earners levy included in PAYE
Independent Earner Tax Credit estimate
Donation tax credit entered
Estimated income tax less personal credits
PAYE deducted
Less ACC earners levy component
PAYE income tax component
RWT / dividend / PIE / other credits entered
Less IETC already received through PAYE
ESTIMATED RESULT

3. QUICK CHECKS
Effective total rate on income
Estimated PAYE shortfall / surplus per month
Estimated PAYE shortfall / surplus per week
Suggested amount to set aside before filing
Could provisional tax apply next year?
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COMMON IR3 ITEMS TO CHECK

  • Final income summary agrees to payslips and myIR.
  • Include untaxed or under-taxed income over $200 where required.
  • Check RWT, dividend credits, PIE credits and schedular tax deducted.
  • Donation tax credits are usually claimed separately, not directly in IR3.
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IMPORTANT NOTES

  • For salary/wage earners, ACC earners levy is normally included in PAYE and should be separated when checking income tax payable.
  • IETC depends on eligibility, income level, and whether excluded assistance was received.
  • This calculator does not calculate student loan, Working for Families, child support, or KiwiSaver.
  • Use myIR / final IR3 assessment as the source of truth before payment.

SOURCES

  • IRD – individual tax rates from 1 April 2025
  • IRD – Independent Earner Tax Credit
  • IRD – ACC earners levy rates
  • IRD – Individual income tax return IR3 guidance
Need help? We're here to help. ☎ 027 852 5330   |   ✉ andre@oliveraccounting.co.nz   |   🌐 www.oliveraccounting.co.nz
Oliver Accounting does not provide tax advice or prepare income tax returns. This calculator is for estimate purposes only. You should consult a qualified tax professional or Chartered Accountant before making tax, filing, or financial decisions.