Financial calculators for New Zealand — salary, income tax, take-home pay, savings, budgeting, loans, mortgages, and retirement, all in New Zealand dollars.
Effective from 2026-04-01 (current). IRD reviews tax brackets and the ACC Earner's Levy rate/cap annually.
Gross to Net Salary Calculator
Estimate your take-home pay from a gross salary, using real tax rules where available.
Net to Gross Salary Calculator
Find the gross salary needed to reach a target take-home pay.
Hourly Wage Calculator
Convert an hourly wage into an equivalent annual salary.
Income Tax Calculator
See how real progressive tax brackets add up to your total tax bill.
Take Home Pay Calculator
See your net pay per paycheck, based on how often you're paid.
Savings Goal Calculator
Check whether you're on track to hit a savings target by a set date.
Emergency Fund Calculator
Find your target emergency fund size and how long it'll take to build it.
Monthly Budget Calculator
See what's left over after expenses, and your savings rate.
Loan Calculator
See your monthly payment and total interest on any loan.
Mortgage Calculator
Estimate your monthly payment on a home loan.
Retirement Calculator
Project your savings balance at the age you want to retire.
Example questions people ask about New Zealand finances — tap one to jump straight to the calculator that answers it.
Understanding your NZ payslip
Gross pay, PAYE tax, the ACC levy, and KiwiSaver explained simply.
Coming soonHow NZ mortgage rates work
Fixed vs. floating rates and how they affect your monthly payment.
Coming soonBuilding an emergency fund in New Zealand
How much to save, and where to keep it, for NZ households.
Coming soonYes — the Income Tax and salary calculators use real 2026-27 IRD brackets plus the ACC Earner's Levy (1.75%, capped). They do not model KiwiSaver contributions, student loan repayments, or the Independent Earner Tax Credit (IETC).
