New Zealand Financial Calculators 2025/26
IRD-accurate calculators for the 2025/26 tax year (1 Apr 2025 โ 31 Mar 2026). No tax-free threshold. KiwiSaver 3.5% default. NZ Super universal. Instant results.
๐งฎ Income Tax Calculator
PAYE with 5 brackets (10.5%โ39%). No tax-free threshold โ taxed from $0. ACC levy, IETC $520 credit.
๐ KiwiSaver Calculator
Growth projection with 3.5% default (from 1 Apr 2026). Govt contribution max $260.72. First home withdrawal.
๐ต Take-Home Pay Calculator
Net pay after PAYE, ACC, KiwiSaver, and student loan. Salary and hourly modes. Compare KiwiSaver rates.
๐ Mortgage Calculator
Repayments with RBNZ LVR limits (80% owner, 70% investor). Extra payments savings. Fixed vs floating.
๐ Student Loan Calculator
12% above $22,828. 0% interest for NZ residents. Overseas borrowers pay ~3-4%. Payoff timeline.
๐งพ GST Calculator
Add or remove 15% GST. $60K registration threshold. Filing frequency and GST return estimate.
๐ฐ Salary Calculator
Hourly to annual conversion. Minimum wage $23.15/hr check. Living Wage $27.80. Holiday pay 8%.
๐ก๏ธ ACC Levy Calculator
Earner's levy ~$1.60 per $100, cap $152,790. Self-employed work levy by industry. No-fault accident insurance.
๐๏ธ Rent vs Buy Calculator
No capital gains tax on property (bright-line 2 years only). KiwiSaver first home withdrawal. LVR 80%.
๐๏ธ Retirement Calculator
NZ Super ~$539/week (NOT means-tested) + KiwiSaver drawdown. Gap analysis with actionable options.
๐ First Home Loan Calculator
Kฤinga Ora 5% deposit scheme. Income cap $95K/$150K. No house price cap. 1.2% LMI fee. Grant discontinued.
๐ Property Investment Calculator
No CGT (bright-line 2 years only). Interest 80% deductible 2025/26 existing, 100% new builds. Ring-fencing.
๐ฅ KiwiSaver First Home Calculator
Withdraw balance minus $1,000 after 3 years. Deposit gap analysis. First Home Loan combo for 5% deposit.
๐ Tax Code Calculator
Find correct M/ME/S/SH/ST/SA/SB code. Secondary tax is NOT extra tax. No code = 45% default rate.
๐จโ๐ฉโ๐ง Working for Families Calculator
FTC up to $7,015, IWTC $3,770, Best Start $3,338. Abatement 27% above $42,700. Payment options.
๐ผ Self-Employed Tax Calculator
Provisional tax if residual >$5K. 3 methods. ACC work levy by industry. Deductions checklist.
๐ Car Cost Calculator
Rego ~$110, WOF ~$70. EVs pay RUC from Apr 2024. Petrol vs EV comparison. Total cost per km.
๐ Budget Calculator
50/30/20 planner with Stats NZ benchmarks. Housing under 30%. KiwiSaver as "pay yourself first".
๐ Debt Payoff Calculator
Snowball vs avalanche strategy. Consolidation comparison. CCCFA responsible lending. NZ insolvency options.
๐ณ Personal Loan Calculator
Repayment in weekly/fortnightly/monthly. 8-22% NZ rates. CCCFA early repayment rights. Consolidation.
๐ KiwiSaver vs Savings Calculator
Side-by-side comparison. Employer 3.5% + govt $260.72. PIE tax 28% max. Locked until 65 vs liquid savings.
๐ก Bright-Line Test Calculator
2-year rule from 1 Jul 2024 for all property. Historical 5/10-year periods. Main home exemption. Tax at marginal rate.
๐ข Fringe Benefit Tax Calculator
49.25% single rate. Motor vehicle 20% cost price. De minimis $300/quarter. Single vs alternate rate comparison.
๐๏ธ Holiday Pay Calculator
4 weeks annual leave. OWP vs AWE (greater of). 12 public holidays incl Matariki. PAYG 8% for casuals.
โ ๏ธ Redundancy Calculator
NO statutory redundancy pay in NZ. Only what's in your agreement. Notice + leave payout. NZ vs UK/AU comparison.
๐ Boarder Income Calculator
$233/week per boarder tax-free. Homestay students same threshold. Boarders โ flatmates. Up to 4 boarders.
๐ PIR Tax Calculator
PIE fund tax max 28% vs marginal 39%. Find correct PIR rate. KiwiSaver = PIE. High earners save 11%.
๐ถ Child Support Calculator
IRD formula. Both parents' income assessed. Living allowance ~$21K. Shared care 35%+ reduces payments.
โก Electricity Bill Calculator
Average ~$230/month. 80% renewable but prices high. Low Fixed Charge option. 20% prompt payment discount.
๐ Emergency Fund Calculator
ACC covers injuries, KiwiSaver locked, no redundancy pay. Jobseeker ~$337/wk. 3-6 months essential expenses.