ZRA PAYE Calculator Zambia (2026)
Free Zambia PAYE salary calculator (2026 tax bands): enter your salary to calculate PAYE, NAPSA, NHIMA and calculate take-home net pay instantly. Updated for the latest ZRA rates and built with the same calculation logic as Harvester Payroll Online Zambia.
Want to see these figures on a payslip? Try our Zambian Payslip Generator. Need USD conversion? Use our USD to ZMW exchange rate tool.
Try Harvester Free (5 employees)Tip: Enter Gross to find Net Pay, or enter Net Pay to work out Gross.
Next steps
How PAYE and Net Pay are calculated in Zambia
This Net Pay Calculator gives you a quick estimate of PAYE, NAPSA and NHIMA for employees in Zambia. It uses the same calculation logic as Harvester Payroll Online Zambia, so you can see how gross salary turns into take-home pay.
- The employee’s gross pay is entered (monthly salary, or wages for the period).
- Applicable P.A.Y.E. bands and thresholds are applied according to the latest ZRA tables configured in Harvester.
- NAPSA contributions are calculated on the relevant earnings up to the current ceiling.
- If enabled, NHIMA contributions are calculated on the qualifying earnings.
- The calculator subtracts PAYE, NAPSA and NHIMA from gross to show an estimated net pay.
The results are for guidance only and should always be checked against your latest ZRA, NAPSA and NHIMA rules. In the full Harvester Payroll Online payroll system, these tables are maintained centrally so every pay run stays compliant.
When you’re ready to move from single calculations to full payroll, you can start a 10-week free trial of Harvester Payroll Online Zambia and generate payslips, reports and statutory returns in one place.
ZRA PAYE & Net Pay Calculator Zambia (2026) – Quick FAQs
How does this ZRA PAYE & Net Pay Calculator work?
Enter an employee’s gross pay (or net pay) and this tool estimates PAYE, NAPSA and (where applicable) NHIMA to show an estimated net pay (or gross). The calculation follows the same payroll logic used in Harvester Payroll Online Zambia.
Is this calculator updated for the 2026 ZRA PAYE tax bands?
This calculator is designed to use the 2026 ZRA PAYE tax bands and thresholds as configured in Harvester Payroll Online. If ZRA announces changes during the year, confirm your tax bands and settings before relying on any estimate.
Which deductions are included (PAYE, NAPSA, NHIMA)?
The calculator can include PAYE, NAPSA and NHIMA where applicable. Other employer or company-specific items (loans, advances, allowances, benefits, deductions, etc.) are handled inside the full Harvester Payroll Online system rather than this simple tool.
Can I download or print the calculation?
Yes. You can print this page or save it as a PDF using your browser. For official payroll records, Harvester Payroll Online Zambia generates payslips and reports within the system.
Do I need an account to use the PAYE calculator?
No. You can use this calculator for free without an account. If you want to save employees, generate payslips, and produce monthly statutory returns for PAYE, NAPSA and NHIMA, you can try Harvester Free (up to 5 employees) or start a plan that fits your business.
Does the calculator store any salary data?
This tool is intended for quick estimates and does not create employee records in Harvester Payroll Online. For full data capture, reporting and compliance, use the main application after signing up.
Is this enough to run my full payroll every month?
This tool is ideal for quick checks and “what-if” scenarios. To manage multiple employees, generate payslips, and produce statutory returns for PAYE, NAPSA and NHIMA, you’ll need full payroll software. See our Payroll Zambia page or try Harvester Free (up to 5 employees).
Is this an official ZRA calculator?
No. This calculator is provided by Harvester Payroll Online Zambia to help employers and employees estimate net pay. It is not an official ZRA tool and does not replace guidance from ZRA or a qualified accountant.