Tax Calculators
18 free tax calculators for New Zealanders.
PAYE, GST, provisional tax, capital gains, secondary tax, bonuses — every NZ tax type calculated using current IRD rates for the 2026-27 financial year.
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.
2026-27 FYGST 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.
2026-27 FYStudent 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.
2026-27 FYSchedular 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.
2026-27 FYCapital 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.
FamilyBoost Rebate Calculator
Estimate your FamilyBoost childcare rebate. Up to $120/week (40% of ECE fees) for households earning under $229,144/year. Updated for the 2025 expansion.
2026-27 FYCrypto 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.
2026-27 FYEffective Marginal Tax Rate Calculator
See your true effective marginal tax rate — PAYE, ACC, student loan, Working for Families and Best Start abatements stacked. Often 50-90% for NZ middle earners.
Mixed-Use Asset / Airbnb Tax Calculator
Calculate income tax and GST on a NZ Airbnb/bach rented part-time. IRD mixed-use formula: rental days ÷ total used days = deductible %.
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.
2026-27 FYTax 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.
2026-27 FYProvisional 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.
2026-27 FYWorking 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.
2026-27 FYBest Start Payment Calculator
Estimate Best Start payments for newborn children in NZ — $73 per week with abatement above $79,000 family income.
2026-27 FYAccommodation Supplement Calculator
Estimate your Accommodation Supplement from MSD/WINZ based on rent, region, and household income. Region-based caps apply across NZ.
2026-27 FYChild Support Calculator
Estimate NZ child support liability using the IRD 8-step formula. Factors in living allowance, dependent children, and share of care.
NZ Trust Income Tax Calculator
Calculate NZ trust tax under the 39% trustee rate (from 1 April 2024). Splits trustee-retained vs adult vs minor beneficiary distributions with $10k de minimis.
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.
2026-27 FY