Sweet as — free calculators for Kiwis
Sort your tax, KiwiSaver, mortgage and more. All calculations run in your browser — your data stays with you.
GST 15% | Top tax rate 39% | Min wage $23.95/hr | KiwiSaver min 3.5%
Calk NZ provides 119 free online calculators built specifically for New Zealand. Every tax and pay calculator uses official IRD rates for the 2025–26 financial year, including the current tax brackets, ACC earner’s levy, student loan repayment thresholds, and KiwiSaver contribution rates. All calculations run entirely in your browser — your data never leaves your device.
Tax
(13)Income Tax Calculator 2026-27
NZ income tax calculator FY 2026-27. All 5 PAYE brackets (10.5/17.5/30/33/39%), no tax-free threshold. Calculate your tax in seconds — IRD-verified.
GST Calculator
Free NZ GST calculator. Add 15% GST to a price, or remove it from a GST-inclusive total. Instant results for invoices, quotes, and IRD GST returns.
Student Loan Repayment Calculator
Work out your student loan repayments at 12% on income over $24,128. See how long until your loan is paid off and how extra payments can help.
Schedular Payments Calculator (IR330C)
Work out your withholding tax for schedular payments as a contractor. Choose the right IR330C rate (10–48%) to avoid an end-of-year tax bill or refund.
Capital Gains Tax (CGT) Calculator
Estimate the impact of the proposed NZ CGT (28% from July 2027 if Labour wins). Covers investment property, shares, and business assets. Educational only.
Crypto Tax Calculator
Estimate income tax on cryptocurrency gains in New Zealand. IRD treats crypto as property — gains on disposal are taxable income at your marginal tax rate.
Secondary Tax Calculator
Calculate the correct tax code and deductions for your second job. Choose the right secondary tax code to avoid a bill at the end of the year.
Tax Return Estimator
Free NZ tax refund estimator. Find out if IRD owes you a refund or if you owe tax. Includes IETC (up to $520), donations credit, and 2026-27 brackets.
Provisional Tax Calculator
Work out your provisional tax using the standard, estimation, or ratio methods. For self-employed Kiwis and businesses with residual income tax over $5,000.
Working for Families Calculator
Estimate Working for Families tax credits — Family Tax Credit, In-Work Tax Credit, and Best Start — based on household income and abatement rules.
Best Start Payment Calculator
Estimate Best Start payments for newborn children in NZ — $73 per week with abatement above $79,000 family income.
Accommodation Supplement Calculator
Estimate your Accommodation Supplement from MSD/WINZ based on rent, region, and household income. Region-based caps apply across NZ.
Resident Withholding Tax Calculator
Calculate RWT on your interest income from bank accounts and term deposits. Check your prescribed investor rate to avoid over- or underpaying tax.
Pay & Salary
(9)Pay Calculator
NZ pay calculator: take-home pay after PAYE tax, ACC levy, KiwiSaver, and student loan. Weekly, fortnightly, monthly, and annual. FY 2026-27 rates.
Minimum Wage Calculator
NZ minimum wage 2026: $23.95/hr adult, $19.16/hr starting-out and training. Calculate weekly, fortnightly, monthly take-home from 1 April 2026.
Bonus / Extra Pay Tax Calculator
Calculate the PAYE deducted from a bonus, commission, or back pay using the IRD extra pay rules. See your net bonus after tax, ACC, KiwiSaver and student loan.
Final Pay Calculator
Estimate your final pay when leaving a job in NZ. Covers unused annual leave, alternative leave, lieu days, public holidays earned, and notice periods.
Hourly to Salary Calculator
Convert your hourly rate to an annual salary and vice versa, based on a standard 40-hour week. Handy for comparing job offers in Aotearoa.
Overtime Calculator
Calculate time-and-a-half and double-time rates for overtime, public holidays, and weekend work. Based on your employment agreement terms.
Holiday Pay Calculator
NZ holiday pay calculator: annual leave (4 weeks/year), public holiday rates (1.5×), Mondayisation, and 8% pay-as-you-go. Holidays Act 2003.
Annual Leave Cash-Up Calculator
Calculate value of cashing up annual leave in NZ (max 1 week).eek of annual leave per year if their employer agrees. Includes PAYE on the payment.
Redundancy Pay Calculator
Estimate redundancy pay entitlements based on your employment agreement and years of service. NZ has no statutory entitlement.
KiwiSaver
(5)KiwiSaver Calculator
NZ KiwiSaver calculator: project your balance at 65 by contribution rate (3.5%-10%), employer match, govt $260.72/yr, and PIE tax. Updated 2026-27.
KiwiSaver First Home Withdrawal Calculator
Calculate how much of your KiwiSaver you can withdraw for your first home. You must have been a member for at least 3 years and can withdraw all but $1,000.
KiwiSaver Fees Calculator
See how KiwiSaver fund fees eat into your returns over time. Compare management fees, admin fees, and performance fees across different providers.
KiwiSaver Government Contribution Calculator
Work out how much government contribution you can receive — up to $260.72 per year. You need to contribute at least $1,042.88 annually to get the full amount.
KiwiSaver vs Term Deposit Calculator
Compare KiwiSaver returns (with employer and government contributions) against a term deposit. Factor in lock-in periods, tax rates, and fees.
Mortgage & Property
(17)Mortgage Repayment Calculator
Calculate NZ home loan repayments with current mortgage rates. Compare floating vs fixed, monthly vs fortnightly, and see total interest cost.
How Much Can I Borrow Calculator
Estimate how much a NZ bank might lend you based on your income, expenses, and existing debts. Uses typical NZ lending criteria including the CCCFA rules.
First Home Grant Calculator
Check eligibility for the First Home Grant — up to $10,000 for new builds, $5,000 for existing homes. Linked to KiwiSaver and regional price caps.
Mortgage Break Fee Calculator
Estimate the break fee for exiting a fixed-rate mortgage early. NZ banks charge based on the rate differential and time remaining.
Deposit Calculator
Plan how long it will take to save a 20% house deposit in NZ. Factor in KiwiSaver withdrawals, First Home Grant, and regular savings contributions.
Rent vs Buy Calculator
Compare the true cost of renting versus buying a home in Aotearoa. Includes mortgage costs, rates, insurance, maintenance, and opportunity cost of your deposit.
Bright-Line Test Calculator
Determine if your property sale is subject to the bright-line test and estimate the tax owed. Covers the 2-year rule for new builds and other properties.
LVR Calculator
Calculate your NZ loan-to-value ratio. Check RBNZ 80% LVR for owner-occupiers, 70% for investors. See if you need a 20% or 30% deposit.
Real Estate Commission Calculator
Estimate real estate agent commission on your property sale.ge a tiered percentage — typically 3-4% on the first $400k, then 2% on the balance.
Rental Yield Calculator
Calculate the gross and net rental yield on an investment property. Factor in rates, insurance, property management fees, maintenance, and mortgage interest.
Heat Pump Sizing Calculator
Find the right heat pump size for your room or home. Based on NZ climate zones, insulation levels, ceiling height, and window orientation.
Solar Panel Savings Calculator
Estimate savings from installing solar panels on your NZ home. Covers system size, generation by region, buy-back rates, and payback period.
Renovation Budget Calculator
Plan your renovation budget with typical NZ costs for kitchens, bathrooms, decks, and more. Includes building consent costs and a contingency allowance.
Council Rates Estimator
Estimate your annual council rates based on your property value and local authority area. Covers general rates, targeted rates, and water charges.
Moving Costs Calculator
Budget for your house move in NZ. Covers removalists, bond, letting fees, connection fees, mail redirection, and other moving day expenses.
Swimming Pool Cost Calculator
Estimate the cost of building and running a swimming pool in NZ. Includes fencing requirements under the Building Act, heating options, and chemical costs.
Water Tank Sizing Calculator
Calculate the right water tank size for rainwater collection based on your roof area, local rainfall data, and household water usage. Common for rural NZ homes.
Loans
(4)Personal Loan Calculator
Calculate repayments on a personal loan from NZ banks and lenders. Compare interest rates, loan terms, and total cost of borrowing.
Car Loan Calculator
NZ car loan calculator: monthly repayments, total interest, and balloon payment. Compare 3-year, 5-year, and 7-year loan terms with deposit and trade-in value.
Credit Card Payoff Calculator
See how long it takes to pay off your credit card and the total interest you will pay. Compare minimum payments versus fixed extra payments.
Debt Consolidation Calculator
Compare the cost of consolidating multiple debts into a single loan.ing credit cards, personal loans, and hire purchase into one payment saves you money.
Business
(12)GST Return Calculator
Calculate your GST return for 1-month, 2-month, or 6-month filing periods. Work out GST collected minus GST paid to find what you owe or are owed by IRD.
Sole Trader Tax Calculator
Calculate your income tax, ACC levies, and GST obligations as a sole trader in NZ. Includes allowable deductions and provisional tax estimates.
IRD Depreciation Rate Finder
IRD depreciation rate finder for NZ business assets. Diminishing value (DV) and straight-line (SL) methods. Vehicles, computers, equipment, plant. FY 2026-27.
GST Price Converter
Instantly toggle between GST-inclusive and GST-exclusive prices. A quick tool for tradies, retailers, and anyone quoting prices in New Zealand.
Company Tax Calculator
Work out company income tax at the NZ corporate rate of 28%. Calculate taxable income after expenses and deductions for your limited company.
ACC Levy Calculator
Estimate your ACC levies as an employee or self-employed earner.ers levy, work levy, and working safer levy based on your industry classification.
Invoice Calculator
Create GST-inclusive invoices and calculate the correct amounts. Work out the GST component, apply discounts, and generate invoice totals for your NZ business.
Employee Cost Calculator
Calculate the true cost of hiring an employee in NZ. Includes salary, KiwiSaver employer contributions (3%), ACC levies, and other on-costs.
Profit Margin Calculator
Calculate gross, operating, and net profit margins for your business. Useful for pricing, benchmarking against industry averages, and tracking profitability.
Director's Pay vs Dividends Calculator
Compare paying yourself as a salary vs dividends from your NZ company. Includes PAYE/ACC/KiwiSaver on salary vs imputation credits on dividends.
FBT Calculator
Calculate fringe benefit tax on company vehicles, car parks, low-interest loans, and other benefits. Includes EV-exempt rates and quarterly filing.
Break-Even Analysis Calculator
Find out how many units or how much revenue you need to cover your fixed and variable costs. Essential for pricing decisions and business planning.
Financial & Investment
(10)Retirement Income Calculator
Estimate your retirement income from NZ Super and KiwiSaver drawdowns. Check if your savings will last and plan for a comfortable retirement in Aotearoa.
Compound Interest Calculator
See the power of compound interest over time. Calculate how your savings or investments grow with regular contributions and compounding interest.
Budget Planner
Plan your weekly or fortnightly budget with NZ-specific expense categories — rates, power, groceries, petrol, KiwiSaver. Based on Kiwi living costs.
Dividend Yield Calculator
Calculate dividend yield on NZX shares and managed funds. Includes gross yield, net yield after RWT, and reinvestment projection.
NZ Super Eligibility Calculator
Check when you can claim NZ Super (age 65+, residency 10 yrs).rs total, 5 after age 50), and current rates for single/couple living arrangements.
PIE Tax Calculator
Calculate your prescribed investor rate (PIR) for portfolio investment entity funds. PIR rates are 10.5%, 17.5%, or 28% depending on your taxable income.
Investment Return Calculator
Calculate the total and annualised return on your investments. Compare shares, property, term deposits, and managed funds side by side.
FIF Tax Calculator
Calculate FIF tax using the fair dividend rate method (5% deemed return). For Kiwis with overseas shares & funds worth over $50,000.
ESCT Calculator
Calculate the employer superannuation contribution tax on KiwiSaver contributions your employer makes on your behalf. ESCT rates range from 10.5% to 39%.
IRD Interest & Penalty Calculator
Calculate use-of-money interest (UOMI) and late payment penalties charged by IRD on overdue tax. Covers incremental penalties and current IRD interest rates.
Auto
(7)Fuel Cost Calculator
Calculate fuel costs for any trip in NZ. Enter your vehicle fuel consumption, distance, and current petrol or diesel prices including road user charges.
Road User Charges Calculator
Calculate road user charges (RUC) for diesel vehicles and EVs. Work out RUC costs per 1,000 km and budget for your next RUC purchase.
WoF & Rego Cost Calculator
Budget for your warrant of fitness and vehicle registration costs. Covers WoF inspection fees and annual licensing based on vehicle type and fuel.
Car Running Costs Calculator
Add up the true annual cost of running a car in NZ — fuel, insurance, WoF, rego, RUC, tyres, servicing, and depreciation all in one place.
EV Savings Calculator
Compare the running costs of an electric vehicle versus a petrol or diesel car in NZ. Factor in electricity costs, RUC, servicing, and current fuel prices.
Vehicle Lease Calculator
Calculate vehicle lease payments including residual value, finance charges, and GST. Compare leasing vs buying for business and personal vehicles in NZ.
Import Duty Calculator
Calculate customs duty, GST, and other charges when importing a vehicle into NZ. Covers MPI biosecurity fees, compliance costs, and the clean car discount.
Health & Lifestyle
(9)BMI Calculator
Calculate your body mass index and see where you fall on the BMI scale. A simple health screening tool — remember BMI is just one measure of health.
Parental Leave Calculator
Calculate your paid parental leave entitlement — up to 26 weeks in NZ. Work out weekly pay (max $788.66) based on your normal income.
Calorie Calculator
Estimate your daily calorie needs based on age, height, weight, and activity level. Useful for managing your diet and fitness goals.
Pregnancy Due Date Calculator
Calculate your estimated due date and see which trimester you are in. Track key milestones and get an overview of your pregnancy timeline.
Life Insurance Calculator
Estimate how much life insurance cover you might need based on your income, debts, dependants, and future expenses like mortgage and education costs.
Body Fat Percentage Calculator
Estimate your body fat percentage using measurements like waist, neck, and hip circumference. Provides a general indication — not a clinical measurement.
Water Intake Calculator
Find out how much water you should be drinking daily based on your weight, activity level, and climate. Stay hydrated, especially during a Kiwi summer.
Alcohol Units Calculator
Calculate the number of standard drinks in your beverage. In NZ, one standard drink contains 10 grams of pure alcohol — useful for tracking your intake.
Running/Cycling Pace Calculator
Calculate pace, speed, and finish time for running and cycling. Useful for training for NZ events like the Auckland Marathon.
Building & DIY
(10)Deck Builder Calculator
Estimate materials and costs for building a deck in NZ. Covers timber and composite options, posts, bearers, joists, and whether you need a building consent.
Fencing Calculator
Calculate materials and costs for a fence — standard 1.8m height in NZ. Covers timber paling, colour steel, and post spacing for residential boundaries.
Paint Calculator
NZ paint calculator: how many litres for walls, ceilings, or exterior. Based on Resene/Dulux coverage (12 m²/L) and standard 1L/4L/10L tin sizes.
Concrete Calculator
Calculate how many cubic metres of concrete you need for slabs, paths, footings, and posts. Includes waste allowance and ready-mix truck load sizes.
Insulation Calculator
Calculate insulation requirements to meet NZ Building Code clause H1. Covers underfloor, wall, and ceiling insulation R-values for your climate zone.
Tile Calculator
Calculate tiles needed for floors, walls, or splashbacks in your NZ home. Includes wastage allowance and grout coverage.
Carpet Calculator
Calculate the carpet you need for a room in square metres or broadloom width (3.66m standard NZ). Includes underlay and wastage.
Roofing Calculator
Estimate roofing materials and costs for longrun iron (corrugate, tray) and tiles. Includes ridging, flashings, and typical NZ roof pitches.
Retaining Wall Calculator
Calculate materials for a retaining wall — timber, concrete block, or gabion. Remember, walls over 1.5 metres in NZ generally require a building consent.
Wallpaper Calculator
Work out how many rolls of wallpaper you need for a room. Accounts for pattern repeat, doors, and windows. Standard NZ rolls are 10m x 0.53m.
Education
(3)NCEA Rank Score Calculator
Calculate your NCEA rank score for university entrance. Work out your score from your best 80 credits across approved subjects at Level 3.
Student Allowance Calculator
Check your eligibility for a Student Allowance and estimate how much you could receive from StudyLink. Based on your age, living situation, and parental income.
University Cost Calculator
Estimate total cost of your university degree (fees + costs). costs, living expenses, and student loan interest. Covers fees-free eligibility.
Agriculture & Farming
(4)Stock Unit Calculator
Convert livestock numbers to stock units (SU) for farm planning. Covers sheep, cattle, deer, and goats using NZ standard stock unit equivalents.
Fertiliser Application Calculator
Calculate fertiliser application rates and costs per hectare.t results, nutrient requirements, and spreader settings for NZ pasture and crops.
Farm Running Cost Calculator
Budget for annual farm operating costs including fertiliser, animal health, shearing, fencing, rates, and wages. Benchmarked against NZ farm averages.
Crop Yield & Revenue Calculator
Estimate yields and revenue per hectare for NZ crops including kiwifruit, wine grapes, arable, and vegetables. Includes market prices.
Immigration
(3)Skilled Migrant Visa Points Calculator
NZ Skilled Migrant Category points calculator (INZ 6-point system). Score age, qualifications, work experience, NZ job offer, partner factors. Free.
Cost of Living Comparison Calculator
Compare the cost of living in NZ cities and towns with your current location. Covers rent, groceries, transport, utilities, and childcare expenses.
Relocation Cost Calculator
Budget for moving to NZ — flights, shipping, visa fees, accom.modation, and settling-in costs. Covers container shipping and air freight options.
Tools & Converters
(13)Percentage Calculator
Calculate percentages quickly — find X% of a number, work out what percentage one number is of another, or calculate percentage increase and decrease.
Unit Converter
Convert between metric and imperial units — length, weight, volume, temperature, and area. NZ uses metric, but imperial still pops up for building and cooking.
Currency Converter
Convert NZD to and from other currencies using live exchange rates. Handy for online shopping, travel budgeting, and comparing overseas prices.
Discount / Sale Price Calculator
Calculate the sale price after a percentage discount, or work backwards from the sale price to find the original. Handy for Boxing Day and Black Friday deals.
Age Calculator
Calculate your exact age in years, months, and days. Find out how many days until your next birthday or the age difference between two people.
Date Calculator
NZ date calculator: add or subtract days, weeks, months. Count working days excluding NZ public holidays (Waitangi, ANZAC, Matariki, etc.).
Tip Calculator
Split the bill and calculate tips. Tipping is not expected in NZ, but this is handy for splitting restaurant bills evenly among your mates.
Time Zone Converter
Convert times between NZST/NZDT and other time zones around the world. Essential for scheduling calls with overseas colleagues, clients, or whanau.
Inflation Calculator
Calculate the effect of inflation on purchasing power over time using NZ CPI data. See what past prices would be worth today and vice versa.
Savings Goal Calculator
NZ savings goal calculator: work out the weekly or monthly amount needed to reach a target. Factor in starting balance, interest rate, and timeframe.
Loan Comparison Calculator
Compare up to four loans side by side — interest rates, fees, repayments, and total cost of borrowing. Make an informed decision before signing up.
Power Bill Calculator
Estimate your monthly power bill in NZ from your usage (kWh), region, fixed charges, and unit rates. Compare to the NZ average.
Tyre Size Comparison Calculator
Compare tyre sizes and see how a different size affects your speedometer reading, ground clearance, and overall diameter. Check WoF compliance for tyre changes.