Understand your pay

Lessons

1. 1 NZ tax codes explained: M, ME, SL and secondary codes Which New Zealand tax code to use, in plain English. What M, ME, SL and secondary codes like S and SH mean, and what happens if you pick the wrong one. 3 min read Mark as done : NZ tax codes explained: M, ME, SL and secondary codes
2. 2 ACC earners' levy explained What the ACC earners' levy is and how much you pay in 2026–27, in plain English. 1.75% of your pay up to $156,641, taken with your PAYE. 2 min read Mark as done : ACC earners' levy explained
3. 3 Independent earner tax credit (IETC) explained Who gets New Zealand's $520 independent earner tax credit, the $24,000 to $70,000 income range, who can't get it, and how to claim it with tax code ME. 2 min read Mark as done : Independent earner tax credit (IETC) explained
4. 4 KiwiSaver contributions in 2026–27: the new 3.5% rate How much goes into your KiwiSaver from 1 April 2026, in plain English. Your 3.5% default rate, what your employer and the government add, and a worked example. 2 min read Mark as done : KiwiSaver contributions in 2026–27: the new 3.5% rate
5. 5 Student loan repayments in New Zealand How much you repay on your student loan from your pay in 2026–27: 12 cents for every dollar over $24,128, with examples, second jobs and moving overseas. 3 min read Mark as done : Student loan repayments in New Zealand
6. 6 Working for Families and other help you might be missing The main New Zealand payments and tax credits for working people and families, including Working for Families and FamilyBoost, and how to check yours. 2 min read Mark as done : Working for Families and other help you might be missing