# Estimate New Zealand payroll deductions

Estimate income tax, ACC, KiwiSaver, student-loan deductions and take-home pay for straightforward New Zealand salary cases. Scope and exclusions are shown with each result.

Canonical: https://aroai.com/tools/nz_payroll_deductions/

## Tool reference

MCP tool ID: `nz_payroll_deductions`. Availability: Live. Country: New Zealand.

Credit use: 1 credit.

## Input schema

```json
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "type": "object",
  "properties": {
    "tax_year": {
      "type": "string",
      "enum": [
        "2025-26",
        "2026-27"
      ]
    },
    "annual_gross": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000
    },
    "kiwisaver_rate": {
      "default": "none",
      "type": "string",
      "enum": [
        "3",
        "4",
        "6",
        "8",
        "10",
        "none",
        "3.5"
      ]
    },
    "student_loan": {
      "default": false,
      "type": "boolean"
    }
  },
  "required": [
    "tax_year",
    "annual_gross",
    "kiwisaver_rate",
    "student_loan"
  ],
  "additionalProperties": false
}
```