Zambia PAYE Calculator
Enter your monthly gross pay and the calculator takes off NAPSA, applies the Zambia PAYE bands for 2026 and takes off NHIMA, then shows your net pay for the month and the year. It runs in your browser, so your salary is never uploaded.
Runs in your browser. Your files never leave your device.
Monthly PAYE bands for 2026, checked November 2026. Confirm with the Zambia Revenue Authority.
How it works
- 01Enter your monthly gross pay in kwacha.
- 02Choose whether NAPSA and NHIMA apply.
- 03Read your PAYE, net pay and the breakdown.
Tips and common mistakes
NAPSA lowers your taxable pay, NHIMA does not
NAPSA is taken off before PAYE, so it reduces the tax. NHIMA is deducted from take-home pay only. Keep both switches on for a typical payslip.
Use gross pay
Enter pay before any deduction, including taxable allowances, so the bands are applied to the same figure as your payroll.
Guides for this tool
Questions
What are the Zambia PAYE bands?
Monthly: nothing on the first K5,100, then 20% up to K7,100, 30% up to K9,200 and 37% above that. In a year those limits are K61,200, K85,200 and K110,400.
How much is NAPSA?
The employee pays 5% of pay up to a monthly ceiling of K37,236, and the employer pays the same. NAPSA comes off before PAYE is worked out.
Is NHIMA taxed?
NHIMA is 1% of pay and is deducted from take-home pay, but it does not lower your taxable pay. Confirm figures with your payslip and the Zambia Revenue Authority.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.