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Free NZ money calculators
A growing set of free tools for everyday New Zealand money questions: what you actually take home, what to set aside as a contractor, GST, mortgage repayments, student loan, KiwiSaver and savings goals. No ads, no login, no account needed.
NZ Take-home Pay Calculator
Gross to net in seconds. PAYE, ACC, KiwiSaver, and student loan, all in one clean breakdown.
Calculate my take-home
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.
See where I rank
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.
See what I can afford
House Deposit Calculator
How long until you've saved a first-home deposit? Includes your KiwiSaver first-home withdrawal.
See my timeline
Flatmate Bills Splitter
Split rent, power and shared bills between flatmates, evenly or by share. See what each person pays a week.
Split the bills
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.
See what I really keep
Contractor vs Permanent Calculator
Weighing a contract against a salary? Compare take-home both ways and find the rate that matches your pay.
Compare the two
Savings Goal Planner
Tell us your goal and timeline. We'll tell you exactly how much to put aside each week.
Plan my savings
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.
Size my safety net
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.
See it grow
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.
See what I'd earn
Debt Payoff Calculator
Snowball vs avalanche: see how fast you'll be debt-free and how much interest each method saves.
Plan my payoff
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.
Claim my free money
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.
Project my balance
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.
Find my PIR
NZ GST Calculator
Add 15% GST, or pull the GST back out of an inclusive price. Handy for invoices, receipts and GST returns.
Calculate GST
Mortgage Repayment Calculator
Weekly, fortnightly or monthly home-loan repayments, plus the total interest over the term. Estimate before you commit.
Estimate my repayments
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.
See my new repayment
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.
Estimate my payments
Student Loan Repayment Calculator
See your compulsory repayments (12% of income over the threshold) by week, fortnight, month and year.
Work out my repayments
Look up a specific number
Already know your salary or hourly rate? Go straight to the full take-home breakdown for it.
Take-home by salary
What a salary actually affords
Take-home, the rent it supports, what is left, and what it means for buying. One number, followed all the way through.
Take-home by hourly rate
Want the bigger picture? Read our plain-English NZ money guides.