Ngā Whakahōutanga
Ngā huringa rēti, ngā tātaitai hou, me ngā whakapai paetukutuku. Ka whakahōutia ngā tātaitai katoa i te tīmatanga o ia tau pūtea (1 Āperira).
2026
Ngā tino me ngā tātaitai i whakamahia inātata
Pāwhiritia te whetū i te taha o te ingoa o tētahi tātaitai kia penapenatia ki ō tino. Ka whakaatu te whārangi kāinga ināianei i ō tino me ngā tātaitai i whakamahia inātata e koe — kotahi te pāwhiri ki ō taputapu auau. Ka penapenatia katoa ki tō pūrere anake — kāore he pūkete e hiahiatia.
WoF & Rehita: pikinga utu raihana 1 Hūrae 2026 me ngā papa reti ACC motopaika hou
Mai i te 1 Hūrae 2026 ka piki te utu raihana waka 12-marama mō te motokā tūmataiti pene ki te $181.45 (mai i te $172.97), ā ka whakahoutia ngā reti ACC motopaika ki ngā papa rahi-miihini e toru: 250cc iti iho, 251–750cc, me te neke atu i te 750cc. Ko te motopaika 251–750cc noa ka utu tōna $606.29 ia tau, ā ko te wāhanga reti waka ACC mō te motokā tōna $65.27. Kua whakahoutia ngā tātaitai WoF & Rehita me te Utu Whakahaere Motokā — tae atu ki ā rātou tauira mahi. Puna: Waka Kotahi me ACC.
Utu Nuku: whakatikahia te utu visa Manene Pūkenga ki te $6,450 mō te kaitono takitahi
He $6,450 te utu visa kainoho Manene Pūkenga mō te kaitono takitahi, ōrite ki te whānau — te utu tono Band A $2,880 me te tāke manene $3,570, kotahi te utu mō ia tono, kāore he utu māmā ake mō te takitahi. I mua, i whakamahi te tātaitai Utu Nuku i te ~$4,370 takitahi tawhito, ā i tārewa i te tahua nuku takitahi mā te ~$2,080. Puna: Manene Aotearoa (INZ-1028).
Tapuwae Waro: kua whakahōutia te utu waro NZ ETS ki te ~$55/tana
Ka whakamahi te tātaitai Tapuwae Waro ināianei i te utu o nāianei o te Kaupapa Hokohoko Tukunga (ETS) o Aotearoa, tōna $55 mō ia tana (i piki mai i te $50), kia hāngai ai te utu whakataurite waro ā-tau ki te mākete o nāianei. He utu mākete, ka huri ia rā, nō reira he tatauranga tata noa. Puna: mākete waro NZ ETS.
Pūtea Whare Tuatahi: kua tangohia ngā tepe utu whare ā-rohe
Kāore he tepe utu whare ā-rohe o te Pūtea Whare Tuatahi a Kāinga Ora (taunga 5%) ināianei — ka taea e ngā kaihoko whaitikanga te hoko i tētahi utu, kaua ki raro noa i tētahi tepe ā-rohe tawhito. E mau tonu ana ngā tepe moni whiwhi ($95,000 mō te kaihoko takitahi, $150,000 te tāpiri). Kua whakahōutia ngā tātaitai Taunga, Tango Whare Tuatahi KiwiSaver, me ērā atu. Puna: Kāinga Ora.
Utu Nuku: whakatikahia ngā utu visa Manene Pūkenga
Ka whakamahi te tātaitai Utu Nuku ināianei i ngā utu visa kainoho Manene Pūkenga o nāianei a Manene Aotearoa — tōna $4,370 mō te kaitono takitahi, $6,450 mō te whānau (2025–26), hei whakakapi i tētahi tau tawhito, iti rawa. He tika ake ngā tahua mō te nuku ki Aotearoa. Puna: Manene Aotearoa.
Whakahoutia te tātaitai WoF & Rehita mō te pikinga utu raihana 1 Hānuere 2026
Ko te utu raihana waka 12-marama mō te motokā tūmataiti pene ko te $172.97 ināianei, e whakaatu ana i te pikinga a Waka Kotahi i mana mai i te 1 Hānuere 2026 (i piki mai i te ~$144). Ka whakamahi ngā tātaitai WoF & Rehita me te Utu Whakahaere Motokā — tae atu ki ā rātou tauira mahi — i te utu o nāianei. Puna: Waka Kotahi.
Whakahoutia te tātaitai Utu Whare Wānanga mō te kaupapa Utu Kore tau-whakamutunga
Ka whakaatu te tātaitai Utu Whare Wānanga ināianei i te kaupapa Utu Kore o nāianei. Ka pā te akoranga utu-kore ki tō tau whakamutunga (tae atu ki te $12,000), mō ngā akoranga ka oti mai i te 1 Hānuere 2025 — i whakakapi tēnei i te kaupapa utu-kore tau-tuatahi o mua. Kua whakahōutia te tātaitai, te tuhipoka āheinga, me ngā tauira mahi; ka whakaatu te tauira rongoā i te tepe $12,000. Puna: Tertiary Education Commission.
Kei te App Store ināianei a Calk NZ mō te iPhone me te iPad
Kua wātea te taupānga Calk NZ ki te App Store mō te iPhone me te iPad. Ka rere ngā tātaitai katoa o te paetukutuku, ka mahi ahakoa kāore he hononga ipurangi, ā, ka noho ia tātaitanga ki tō pūrere anake. Ka whakahōutia ngātahi te taupānga me te paetukutuku, nō reira ka ōrite tonu ngā tau. Rapua “Calk NZ” ki te App Store, whakamahia rānei te pātene App Store kei te takapau raro.
Hangaia anōtia te tātaitai Piro Visa Manene Pūkenga mō te pūnaha 6-piro o nāianei
Ka whakamahi te tātaitai Piro Visa Manene Pūkenga ināianei i te Wāhanga Manene Pūkenga o nāianei i whakakapi i te pūnaha tawhito ~160-piro i te 9 Oketopa 2023. Me whai koe i te 6 piro noho pūkenga: 3–6 mai i tō āhuatanga teitei kotahi — tohu mātauranga (Paetahi Taumata 7 = 3 tae atu ki te Kairangi Taumata 10 = 6), rēhitatanga umanga, moni whiwhi rānei (1.5× te utu waenga $35.00/hāora = 3 piro, 2× = 4, 3× = 6) — me te 1 piro ia tau o te wheako mahi pūkenga i Aotearoa (mōrahi 3). Kāore ēnei āhuatanga e tāpirihia, kāore hoki te pakeke e tatauhia. Me whai mahi pūkenga, tuku mahi rānei mai i tētahi kaituku whaimana. Ka mana ētahi atu panoni SMC mai i te 24 Akuhata 2026. Puna: Immigration New Zealand.
Whakahekea ngā reiti huamoni IRD (UOMI), tāpiritia te whakamātau moni mō te takoha kāwanatanga KiwiSaver
Ka whakamahi te tātaitai huamoni IRD (UOMI) i ngā reiti mai i te 16 Hānuere 2026: 8.97% mō ngā utu-iti (i heke mai i te 10.91%) me te 2.25% mō ngā utu-nui (i heke mai i te 4.30%). Ka whakamahi te tātaitai Takoha Kāwanatanga KiwiSaver i te whakamātau moni mai i te 1 Hōngongoi 2025 — kāore ngā mema he nui ake i te $180,000 te moni whiwhi e whiwhi i te takoha kāwanatanga (e mau tonu ana te mōrahi $260.72 mō te hunga $180,000 ki raro). Puna: Inland Revenue.
Whakahoutia a Best Start me te Pūtea Āwhina Ākonga ki ngā reiti o te 1 Āperira 2026
Ka utua e Best Start ināianei te $4,041 ia tau ia tamaiti (~$77 ia wiki, i piki mai i te $73/$3,796) ā, mō ngā tamariki i whānau mai i te 1 Āperira 2026, ka whakamātauria te moni mai i te tau tuatahi (ka heke 21h ia tāra o te moni whānau i runga ake i te $79,000). Ko te Pūtea Āwhina Ākonga mōrahi mō te ākonga takitahi 24+ tau ko te $380.43/wiki (noho kē) me te $323.98/wiki (noho kāinga). Puna: IRD; StudyLink.
Whakatikahia ngā reiti NZ Super me te Utu Hiko Hōtoke ki ngā tau mana o te 1 Āperira 2026
Ka whakamahi ināianei ngā tātaitai Moni Whiwhi Pēhanga me te Āhei NZ Super i ngā reiti mana o te NZ Superannuation mai i te 1 Āperira 2026 (i muri i te tāke, waehere M): takitahi noho takitahi $555.15/wiki ($28,868/tau), takitahi noho-tahi $512.45/wiki, tokorua e āhei ana ō rāua $427.04 ia tangata ($854.08/wiki tahi, $44,412/tau). Kua whakatikahia hoki te Utu Hiko Hōtoke ki te $20.46/wiki mō te takitahi me te $31.82/wiki mō te tokorua (Mei–Oketopa). Puna: Work and Income.
Whakatikahia ngā taumata tāke moni whiwhi ki ngā paepae o nāianei ($15,600 / $53,500 / $78,100)
Ka whakamahi ināianei ngā tātaitai tāke moni whiwhi me PAYE katoa i ngā paepae tāke o Aotearoa mai i te 31 Hōngongoi 2024: 10.5% tae atu ki te $15,600, 17.5% ki te $53,500, 30% ki te $78,100, 33% ki te $180,000, me te 39% i runga ake i te $180,000. I mua i tēnei i whakamahia ngā paepae tawhito $14,000 / $48,000 / $70,000, i nui ake ai te tāke. Hei tauira, ko te tāke mō te utu $50,000 ko te $7,658 tika (i mua $8,020).
Whakanui: Mahi Kē + Whakaroa Reiti me Whakaheke SuperGold
Tāpiritia he āhua Mahi Kē ki te Tātaitai Tāke Ōhu: ka tāpiri i te utu mahi matua + Uber/Airbnb/Etsy, ka tūtohu i te paepae GST $60,000, ka whakaatu i te ACC CU. Te Tātaitai Reiti Kaunihera me he tab Whakaroa: ka tātauria te Whakaheke SuperGold (tae atu $805/tau), me te matapae i te whakawhānui o te nama whakaroa.
Tāpiritia 28 tātaitai hou — FamilyBoost, neke ki Ahitereiria, inihua, me ētahi atu
Whakanui nui: mai i te 119 ki te 146 tātaitai mā ngā tātari mākete NZ 2026. Ngā tātaitai matua hou: FamilyBoost ($120/wiki whakahoki tiaki tamariki), Neke NZ→AU (whakatauritetanga utu whakamua), Sum-Insured Whare (utu hanga ā-rohe — kati i te raruraru underinsurance post-EQC $300k), Whakatakoto Mōkete Pūmau, EMTR (reiti tāke taupae whaihua), Painga Mā, Pūtea Wā-Pūmau. Tāpiri inihua: Kawenga, Tiaki Moni Whiwhi, TPD/Trauma, Haerenga, Kararehe. Tautoko Tamariki (IRD), Tāke Paihere (39%), Airbnb Mix-Use, Mōkete Whakahoki (Heartland), Whakatika Healthy Homes, Sharesies/Hatch/IBKR + FIF, Pokanga Tūmatanui-Motuhake, Mahere Hiko ToU. Lifestyle: Wehenga Hoa Whare, Tahua Mārena, Tangihanga, Utu Kaiwhāngai, Tapuwae Waro.
Whakatikatika i te hapa tātaitai Takoha Kāwanatanga KiwiSaver
Whakatikatika nui: e whakamahi ana te tātaitai Takoha Kāwanatanga KiwiSaver i te 50% rite, kāore i te 25c i te $1 tika (kua rua ake te whakaahua o te takoha kāwanatanga ki ngā kaiwhakamahi i raro i te tepe). Ka whakaahua tika ināianei tae atu ki te $260.72/tau. Whakahoutia anō: Tātaitai Utu Kaimahi KS 3.5%, ESCT taunoa 3.5%, utu WoF & Rehita whakatika ki ngā utu tika NZTA, RWT/RUC whakatikatika i te tā-roa.
Whakahoutanga reiti nui: WfF, Wehenga Mātua, KiwiSaver 3.5%, huamoni IRD, IETC, NZ Super
Kua whakahoutia ngā reiti me ngā ture i ngā tātaitai 12 ki te FY 2026-27: WfF FTC $7,524/tau matamua i raro i te 16 ($144.71/wiki), $6,113/tau muri ($117.56/wiki), IWTC $5,070 ($97.50/wiki). Mutunga Wehenga Mātua $788.66/wiki. KiwiSaver taunoa kua piki mai i te 3% ki te 3.5% (mutunga ture mai i te 1 Āperira 2026) i ngā tātaitai Utu, KiwiSaver, KiwiSaver Kāwanatanga, me KiwiSaver vs Term Deposit. Reiti UOMI IRD kua whakahoutia ki te 10.91% (whakaiti) me te 4.30% (whakanui). Ko te paerewa Independent Earner Tax Credit kua totō ki te $66,000 (Budget 2024). Tepe LVR kaiwhakangao kua piki ki te 70%. Reiti NZ Super ā-wiki kua whakahoutia ($549/$507/$422). Kei te whakaatu te tātaitai Bright-line i ngā ture o mua.
First Home Grant kua tohua hei mea i whakamūtua
I whakamūtua te First Home Grant e te Kāwanatanga i te 22 o Haratua 2024. Kua tāpiritia he tuhipoka rongonui ki ngā tātaitai e rua. Kua tangohia te tahua kore-ē-noho i te tātaitai Tango Tuatahi KiwiSaver — ka whakatauria ināianei te wāhi KiwiSaver anake.
15 tātaitai hou kua tāpiritia
Kua tāpiritia ngā tātaitai hou 15 i runga i te hiahia rapu a ngā kaiwhakamahi: Utu Whakarārangi (IR330C), Tāke Whiwhinga Pukapuka (CGT), Utu Best Start, Āpitihanga Whare, Tāke Crypto, Tāke Utu Āpiti, Whakahoki Moni Hararei, Utu Whakamutunga, Hua Tuwhanga, Āhei NZ Super, Utu Kaitātaki ki Tuwhanga, Tātaitai Pereti, Tātaitai Pepa Pakitara, Tātaitai Whariki, me te Tātaitai Nama Hiko. Ko te tapeke ināianei: 119 tātaitai NZ kore utu.
Hou: Tātaitai Rīhi Waka
Kua tāpiritia he tātaitai rīhi waka mō Aotearoa. Whakatauritehia ngā utu rīhi ā-marama me te uara toenga, ngā utu pūtea, me te GST. He āwhina mō ngā pakihi e whakataurite ana i te rīhi ki te hoko waka.
Whakahou reiti FY 2026-27
Kua whakahōutia ngā tātaitai 103 katoa mō te tau pūtea 2026-27 (1 Āperira 2026 – 31 Māehe 2027). Ngā huringa matua: kua piki te reiti ACC mai i te $1.67 ki te $1.75 mō ia $100. Kua piki te paepae moni whiwhi ACC mai i te $152,790 ki te $156,641. Kua piki te rēti takoha KiwiSaver tūtohu mai i te 3% ki te 3.5%. Kua haurua te takoha kāwanatanga KiwiSaver mai i te 50c/$1 (paepae $521.43) ki te 25c/$1 (paepae $260.72). Kāore he huringa ki ngā poraka tāke.
Kua whakahōutia te utu iti rawa ki te $23.95/hr
Kua piki te utu iti rawa pakeke mai i te $23.50 ki te $23.95 ia hāora mai i te 1 Āperira 2026. Kua piki ngā utu tīmata-hou me te whakangungu ki te $19.16 ia hāora (80% o te rēti pakeke). Kua whakahōutia ngā tātaitai utu katoa, tātaitai utu iti rawa, me te kaihuri utu-hāora-ki-utu-ā-tau. Puna: Employment New Zealand.
Whakarewa paetukutuku — 103 ngā tātaitai
Kua whakaritea a Calk NZ me ngā tātaitai kore utu 103 i roto i ngā wāhanga 14: Tāke, Utu & Utu-ā-tau, KiwiSaver, Mokete & Rawa, Pūtea Taurewa, Pakihi, Pūtea & Haumitanga, Waka, Hauora, Hanga, Mātauranga, Ahuwhenua, Manene, me Ngā Taputapu. E wātea ana ngā tātaitai katoa i te reo Pākehā me te reo Māori.