Financial & Investment Calculators
15 free financial & investment calculators for New Zealanders.
Compound interest, savings goals, PIE tax, RWT on bank interest, FIF tax for overseas shares, dividend yields, crypto tax, and retirement income projections.
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 total with 5 after age 50). Current rates for single/couple living arrangements.
2026-27 FYNet Worth Calculator
Calculate your net worth (assets − liabilities) and compare to the NZ median household ($397k). Tracks home, KiwiSaver, investments, mortgage, and debts.
Term Deposit Calculator
Calculate maturity value, gross interest, and after-tax effective rate on NZ term deposits. Supports monthly/quarterly/annual/at-maturity compounding.
Sharesies vs Hatch vs IBKR Fee Calculator
Compare annual platform fees and FX costs across Sharesies, Hatch, Interactive Brokers, and Jarden Direct. Includes FIF tax (FDR 5%) over $50k threshold.
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.
2026-27 FYInvestment Return Calculator
Calculate the total and annualised return on your investments. Compare shares, property, term deposits, and managed funds side by side.
Income Protection Insurance Calculator
Estimate income protection premiums in NZ by age, gender, and wait period. Covers up to 75% of salary if illness or non-ACC disability stops you working.
TPD & Trauma Insurance Calculator
Estimate annual premiums for TPD (Total Permanent Disability) and Trauma (critical illness) insurance in NZ. Stepped vs level premium comparison.
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.
2026-27 FYESCT Calculator
Calculate the employer superannuation contribution tax on KiwiSaver contributions your employer makes on your behalf. ESCT rates range from 10.5% to 39%.
2026-27 FYIRD 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.
2026-27 FY