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Two offers. Which one really pays more?

Base salary lies, and so does a package summary. Compare what actually lands in your account after PAYE, ACC, KiwiSaver and student loan, then add employer KiwiSaver, health cover and a vehicle to see what each offer is really worth. 2026/27 IRD rates, in the pay period you think in.

Two realistic offers where the lower salary is worth more.

KiwiSaver

Student loan

Show pay per

Offer A: name (optional) Base salary ($/year)

Add the rest of the package

Employer KiwiSaver (%) Health insurance, employer paid ($/year) Vehicle, park or allowance ($/year) Bonus, on target ($/year)

Offer B: name (optional) Base salary ($/year)

Add the rest of the package

Employer KiwiSaver (%) Health insurance, employer paid ($/year) Vehicle, park or allowance ($/year) Bonus, on target ($/year)

One offer further from home? Salary is only half the picture. The true cost of the commute works out what the drive, the parking and the hours really take off the top.

Track both offers, free

Free while you're between jobs. If you're employed and moving, On the Move is $7.99 a month billed annually, or $9.99 month to month. From the maker of Calculate.co.nz.

Indicative only: tax code M, no secondary tax. Employer KiwiSaver is shown before ESCT, the tax the employer deducts from its own contribution, which reduces it; health cover and vehicles are shown at full value to you, because the fringe benefit tax on them is the employer’s cost, not yours. 2026/27 rates (PAYE brackets unchanged since 1 April 2025), ACC earner levy 1.75% (cap $156,641), student loan 12% over $24,128. Tax rates verified 22 August 2026.