ACC Levy Calculator New Zealand 2025/26
Estimate your earner's levy, self-employed work levies by industry, and understand what New Zealand's no-fault accident insurance covers.
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How to Use This Calculator
Tab "Levy Estimate"
Enter your annual income before tax to see your earner's levy amount. The calculator shows annual, monthly, fortnightly, and weekly breakdowns. This levy is deducted automatically via PAYE by your employer.
Tab "What ACC Covers"
An informational overview of New Zealand's unique no-fault accident insurance system. Learn what's covered (treatment, lost wages, rehabilitation, lump sums), what's not covered (illness/disease), and the no-fault trade-off.
Tab "Self-Employed"
Enter your annual self-employed income and select your industry classification. The calculator shows both your earner's levy and your industry-specific work levy, plus the combined total ACC cost.
The Formulas
Levy = liable earnings × $1.60 / $100
Maximum liable earnings: $152,790/year
Maximum earner's levy: ~$2,445/year
Self-employed work levy:
Work levy = liable earnings × industry rate / $100
Industry rates range from $0.08 (office) to $5.00+ (forestry) per $100
Self-employed total:
Total ACC cost = earner's levy + work levy
Wage replacement (if injured):
Weekly compensation = 80% × pre-injury weekly earnings (year 1)
Example
Sam — Web Developer in Auckland, Salary $80,000
Sam earns $80,000/year as an employee. His ACC earner's levy is deducted via PAYE.
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