Link to our free NZ calculators
For libraries, schools, universities, budgeting services, community groups and bloggers. If the calculators would help the people you support, you're welcome to link to them. Here's what you'd be linking to.
What you can expect
- Free, with no sign-up. Every calculator works straight away. Nobody has to create an account or give an email address.
- No ads. No banner ads, no affiliate links, no sponsored results.
- Private. The calculators run in the browser. What people type isn't sent to us unless they choose to share or save a result.
- Built for New Zealand. PAYE, ACC, KiwiSaver, student loans, Working for Families, GST, RWT and PIR, using 2026/27 rates.
- Checkable. Each calculator lists its sources (mostly Inland Revenue) and when its figures were last checked. The latest check was September 2026. We review them every 1 April and after each Budget.
- Made by a real person. KeaBudget is built by Muhammad Bilal, a software engineer in Auckland. It's general information, not financial advice.
Copy a link
The simplest link is to the page with every calculator:
https://www.keabudget.co.nz/tools
Or, for a web page, this HTML:
<a href="https://www.keabudget.co.nz/tools">Free NZ money calculators (KeaBudget)</a>
You're also welcome to link straight to one calculator. The full list is below.
The calculators
- NZ Take-home Pay Calculator
Gross to net in seconds. PAYE, ACC, KiwiSaver, and student loan, all in one clean breakdown.
https://www.keabudget.co.nz/pay-calculator
- NZ Income Percentile Calculator
Where does your salary rank in New Zealand? See what share of Kiwis you out-earn, from Inland Revenue's published income data.
https://www.keabudget.co.nz/income-percentile-calculator
- Rent Affordability Calculator
How much rent can you actually afford? Worked out on your take-home pay, weekly, on your own or with a flatmate.
https://www.keabudget.co.nz/rent-calculator
- House Deposit Calculator
How long until you've saved a first-home deposit? Includes your KiwiSaver first-home withdrawal.
https://www.keabudget.co.nz/house-deposit-calculator
- Flatmate Bills Splitter
Split rent, power and shared bills between flatmates, evenly or by share. See what each person pays a week.
https://www.keabudget.co.nz/flatmate-bills-splitter
- Contractor Take-home Calculator
Hourly or day rate, after GST set-aside, income tax and ACC. See what you really keep, and what to put aside for the taxman.
https://www.keabudget.co.nz/contractor-calculator
- Contractor vs Permanent Calculator
Weighing a contract against a salary? Compare take-home both ways and find the rate that matches your pay.
https://www.keabudget.co.nz/contractor-vs-permanent
- Savings Goal Planner
Tell us your goal and timeline. We'll tell you exactly how much to put aside each week.
https://www.keabudget.co.nz/savings-goal
- Emergency Fund Calculator
How big should your safety net be? Size your 3 to 6 month buffer from your real essentials, and see how long it takes to build.
https://www.keabudget.co.nz/emergency-fund-calculator
- Compound Interest Calculator
See how a lump sum plus regular top-ups snowballs over time, with a year-by-year split of your money versus interest.
https://www.keabudget.co.nz/compound-interest-calculator
- Term Deposit Calculator
What a term deposit really pays after RWT: gross interest, tax deducted, net interest and the maturity value, reinvested or paid out.
https://www.keabudget.co.nz/term-deposit-calculator
- Debt Payoff Calculator
Snowball vs avalanche: see how fast you'll be debt-free and how much interest each method saves.
https://www.keabudget.co.nz/debt-payoff-calculator
- KiwiSaver Max-Out Calculator
See how much more to contribute before 30 June to claim the full government contribution. Don't leave free money behind.
https://www.keabudget.co.nz/kiwisaver
- KiwiSaver Retirement Projection Calculator
What will your KiwiSaver be worth at 65? Project your balance from your age, pay, rate and fund, in today's dollars, and see what a higher rate adds.
https://www.keabudget.co.nz/kiwisaver-projection
- PIR Calculator (Prescribed Investor Rate)
Find the right PIR for your KiwiSaver and managed funds: 10.5%, 17.5% or 28%. The wrong rate means overpaid tax or a bill.
https://www.keabudget.co.nz/pir-calculator
- NZ GST Calculator
Add 15% GST, or pull the GST back out of an inclusive price. Handy for invoices, receipts and GST returns.
https://www.keabudget.co.nz/gst-calculator
- Mortgage Repayment Calculator
Weekly, fortnightly or monthly home-loan repayments, plus the total interest over the term. Estimate before you commit.
https://www.keabudget.co.nz/mortgage-calculator
- Mortgage Refix Calculator (Fixed Term Rollover)
Your fixed term is ending. See what your repayment becomes on the new rate, and what it costs to keep paying what you pay now.
https://www.keabudget.co.nz/mortgage-refix-calculator
- Working for Families Calculator
Estimate your Family Tax Credit, In-Work Tax Credit and Best Start from your family income and number of kids. 2026/27 rates.
https://www.keabudget.co.nz/working-for-families-calculator
- Student Loan Repayment Calculator
See your compulsory repayments (12% of income over the threshold) by week, fortnight, month and year.
https://www.keabudget.co.nz/student-loan-calculator
Get in touch
Spotted a figure that looks wrong, or need something adjusted for the people you work with? Email hello@keabudget.co.nz. And if you do link to us, I'd love to know, so I can keep that page in mind when figures change.