ZRA PAYE Calculator (2026) – Zambia
Free ZRA PAYE calculator for Zambia (2026): get net pay, check tax bands, and apply NHIMA & NAPSA automatically using the same logic as Harvester Payroll Online Zambia. Want to see these figures on a payslip? Try our Zambian Payslip Generator. Need to convert amounts in USD? Use our USD to ZMW exchange rate tool.
Try Free up to 5 employeesTip: 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.
PAYE & Net Pay in Zambia – Quick FAQs
How does this Net Pay Calculator work?
You enter an employee’s gross pay and the calculator applies PAYE, NAPSA and (optionally) NHIMA based on the tax logic used in Harvester Payroll Online Zambia. It then shows an estimate of deductions and net pay for that period.
Does it use the latest ZRA PAYE tables?
The calculator is designed to follow the latest PAYE bands and thresholds configured in Harvester Payroll Online. Always confirm your tax tables and settings in the live system, especially when ZRA announces new rates or brackets.
Which deductions are included?
The calculator can include PAYE, NAPSA and NHIMA where applicable. Other company-specific deductions (loans, advances, benefits, allowances, etc.) are handled inside the full Harvester Payroll Online system rather than on this simple tool.
Is this enough to run my full payroll every month?
This calculator is ideal for quick checks and “what if?” scenarios. To manage multiple employees, payslips, leave and statutory returns for PAYE, NAPSA and NHIMA, you’ll need full payroll software. You can see how this works on our Payroll Zambia page or start a 10-week free trial of Harvester Payroll Online Zambia.
Is this an official ZRA calculator?
No. This tool is provided by Harvester Payroll Online Zambia to help employers and employees estimate net pay. It is not an official ZRA calculator and does not replace professional advice from your accountant or ZRA.
Net Pay Calculator for Zambia – FAQs
How does this Net Pay Calculator for Zambia work?
Enter a Zambian employee’s gross pay and choose whether to include PAYE, NAPSA and NHIMA. The calculator uses the same logic as Harvester Payroll Online Zambia to estimate each deduction and show you an indicative net pay for that period.
Does it use the latest ZRA PAYE tables?
The calculator is designed to follow the latest ZRA PAYE bands and thresholds configured in Harvester Payroll Online for Zambia. When new ZRA rates are announced, you should always confirm your tax tables and settings in your live payroll system.
Which deductions are included in the calculation?
The calculator can include PAYE, NAPSA and NHIMA where applicable. Other deductions such as loans, advances and custom company benefits are handled inside the full Harvester Payroll Online Zambia payroll system, not in this simple calculator view.
Can I use the calculator for multiple employees?
This online tool is intended for one employee at a time to help you check PAYE and net pay. To manage many employees, payslips and monthly returns to ZRA, NAPSA and NHIMA, you’ll need full payroll software such as Harvester Payroll Online Zambia.
Do I need an account to use the PAYE calculator?
You do not need an account to use this free net pay calculator for Zambia. You can run example calculations as often as you like. If you later want to save employee records and payslips, you can start a 10-week free trial of Harvester Payroll Online Zambia.
Is this an official ZRA PAYE calculator?
No. This tool is provided by Harvester Payroll Online Zambia to help employers and employees estimate PAYE and net pay. It is not an official ZRA calculator and does not replace professional advice from your accountant or the authorities.
Does the calculator store any salary data?
The calculator is for quick estimates only and does not create employee records in Harvester Payroll Online. For full data capture, reporting and compliance, use the main application after signing up for a free trial or paid plan.
Will the results match my accountant exactly?
In most normal cases the figures should be very close, but small differences can arise depending on settings, rounding and any extra company deductions or benefits. Always confirm final figures with your accountant or inside your live payroll system.