Updates
Rate changes, new calculators, and site improvements. All calculators are updated at the start of each financial year (1 April).
2026
Favourites and recently used calculators
Tap the star next to any calculator's title to save it to your favourites. The homepage now shows your favourites and the calculators you used recently, so your regular tools are one tap away. Everything is stored on your device only — no account needed.
WoF & Rego: 1 July 2026 licensing fee rise and new motorcycle ACC levy bands
From 1 July 2026 the 12-month vehicle licensing (rego) fee for a petrol private passenger car rises to $181.45 (from $172.97), and motorcycle ACC levies are restructured into three engine-size bands: 250cc or less, 251–750cc, and over 750cc. A common 251–750cc motorcycle now costs about $606.29 a year, and a car's ACC motor vehicle levy component is about $65.27. The WoF & Rego and Car Running Costs calculators — including their worked examples — now use the current figures. Source: NZ Transport Agency (Waka Kotahi) and ACC.
Relocation Cost: Skilled Migrant visa fee corrected to $6,450 for single applicants
The Skilled Migrant Category resident visa costs the same $6,450 for a single applicant as for a family — a Band A application fee of $2,880 plus the $3,570 immigration levy, charged once per application, with no cheaper single-applicant rate. The Relocation Cost calculator previously used an outdated ~$4,370 single figure, understating a single person's move budget by about $2,080. Source: Immigration New Zealand (Fees Guide INZ-1028).
Carbon Footprint: NZ ETS carbon price updated to ~$55/tonne
The Carbon Footprint calculator now uses the current NZ Emissions Trading Scheme (ETS) spot price of about $55 per tonne (up from $50), so the estimated annual carbon-offset cost reflects today's market. The ETS price is market-set and moves daily, so treat the offset figure as indicative. Source: NZ ETS carbon market.
First Home Loan: regional house price caps removed
The Kāinga Ora First Home Loan (5% deposit) no longer has regional house price caps — eligible buyers can purchase at any price, not just under an old regional limit. Income caps still apply ($95,000 for a single buyer, $150,000 combined). The Deposit, KiwiSaver First Home Withdrawal, and related calculators have been updated to reflect this. Source: Kāinga Ora.
Relocation Cost: corrected Skilled Migrant visa fees
The Relocation Cost calculator now uses the current Immigration New Zealand Skilled Migrant Category resident visa fees — about $4,370 for a single applicant and $6,450 for a family (2025–26), replacing an outdated, much lower figure. Budgets for moving to New Zealand are now far more accurate. Source: Immigration New Zealand.
WoF & Rego calculator updated for the 1 January 2026 licensing fee rise
The 12-month vehicle licensing (rego) fee for a petrol private passenger car is now $172.97, reflecting the NZTA increase that took effect on 1 January 2026 (up from about $144). The WoF & Rego and Car Running Costs calculators — including their worked examples — now use the current fee. Source: NZ Transport Agency (Waka Kotahi).
University Cost calculator updated for the final-year Fees Free policy
The University Cost calculator now reflects the current Fees Free policy. Fees-free study applies to your final year (up to $12,000), for study completed from 1 January 2025 — this replaced the previous first-year fees-free scheme. The calculator, eligibility note, and worked examples have been updated; the medicine example now shows the $12,000 cap. Source: Tertiary Education Commission.
Calk NZ is now on the App Store for iPhone and iPad
The Calk NZ app is now available on the App Store for iPhone and iPad. It runs all the same calculators as the website, works even when you're offline, and keeps every calculation on your device. The app and the website update together, so the numbers always match. Search “Calk NZ” on the App Store, or use the App Store button in the footer.
Skilled Migrant Visa Points calculator rebuilt for the current 6-point system
The Skilled Migrant Visa Points calculator now uses the current Skilled Migrant Category that replaced the old ~160-point system on 9 October 2023. You need 6 skilled resident points: 3–6 from your single highest factor — qualification (Bachelor's Level 7 = 3 up to Doctorate Level 10 = 6), occupational registration, or income (1.5× the median wage of $35.00/hr = 3 points, 2× = 4, 3× = 6) — plus 1 point per year of skilled NZ work experience (maximum 3). These factors are no longer added together, and age is no longer counted. A skilled job or job offer from an accredited employer is required. Further SMC changes take effect 24 August 2026. Source: Immigration New Zealand.
IRD interest (UOMI) rates lowered, and the KiwiSaver government contribution income test added
The IRD interest (Use of Money Interest) calculator now uses the rates effective 16 January 2026: 8.97% on underpayments (down from 10.91%) and 2.25% on overpayments (down from 4.30%). The KiwiSaver Government Contribution calculator now applies the income test that started on 1 July 2025 — members with taxable income over $180,000 a year no longer receive the government contribution (the maximum stays $260.72 for those earning $180,000 or less). Source: Inland Revenue.
Best Start and Student Allowance updated to the 1 April 2026 rates
Best Start now pays $4,041 a year per child (about $77 a week, up from $73/$3,796) and — for children born on or after 1 April 2026 — is income-tested from the first year, reducing by 21c per dollar of family income above $79,000. The Student Allowance maximum for a single student aged 24 or over is now $380.43/week living away from home and $323.98/week living at home (up from $304.45/$203.73). Sources: IRD — Best Start; StudyLink — Student Allowance rates.
NZ Super and Winter Energy Payment rates corrected to the official 1 April 2026 figures
The Retirement Income and NZ Super Eligibility calculators now use the official NZ Superannuation rates from 1 April 2026 (after tax, M code): single living alone $555.15/week ($28,868/year), single sharing $512.45/week, and a couple where both qualify $427.04 each ($854.08/week combined, $44,412/year). Previously these pages showed inconsistent figures around $549 and $538. The Winter Energy Payment is also corrected to $20.46/week for a single person and $31.82/week for a couple (May–October). Source: Work and Income.
Income tax brackets corrected to current thresholds ($15,600 / $53,500 / $78,100)
Every income-tax and PAYE-based calculator now uses the NZ tax thresholds in force since 31 July 2024: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000, and 39% above $180,000. Previously they used the older $14,000 / $48,000 / $70,000 thresholds, which slightly overstated tax. For example, tax on a $50,000 salary is now correctly $7,658 (was showing $8,020).
Extensions: Side Hustle mode + Council Rates Postponement & SuperGold rebate
Added Side Hustle / Gig Income mode to the Provisional Tax Calculator: combines day-job PAYE with Uber/Airbnb/Etsy/freelance income, flags the $60,000 GST registration threshold automatically, shows ACC Classification Unit hints by gig type, and confirms whether you're below the $5,000 provisional tax safe harbour. Council Rates Calculator now has a Postponement tab: calculates the SuperGold Rates Rebate (up to $805/yr, income-tested, +$590/dependent), and projects compounding rates postponement debt with a 20% equity-floor warning.
28 new NZ calculators added — FamilyBoost, brain-drain to AU, insurance, and more
Major expansion: from 119 to 146 calculators based on 2026 NZ market analysis (r/PersonalFinanceNZ, Sorted, MoneyHub, Calculate.co.nz). New flagship calcs: FamilyBoost rebate (up to $120/wk childcare rebate after the 2025 expansion), NZ→Australia Move (compares take-home pay with KS vs Super, Medicare, tax-free threshold; relevant to the 64,000/yr brain drain), House Sum-Insured (Cordell-style rebuild cost — addresses NZ's underinsurance crisis after the $300k EQC cap), Mortgage Refix Strategy (compares 1/2/3/5-year fixed terms), Effective Marginal Tax Rate (true 50-90% EMTR for middle earners with WfF/student loan stacking), Net Worth (vs Stats NZ $397k median), and Term Deposit (with RWT). Added insurance vertical: Contents Sum-Insured, Income Protection, TPD/Trauma, Travel Insurance, Pet Cost/Insurance. NZ-niche additions: Child Support (IRD 8-step formula), Trust Tax (39% trustee rate), Mixed-Use Airbnb (IRD rental days formula), Reverse Mortgage (Heartland-style), Healthy Homes compliance ($7,200 fine prevention), Sharesies/Hatch/IBKR fee + FIF comparator, Public vs Private Surgery, Power Bill ToU plan comparator (Hour of Power, Octopus spot). Lifestyle: Flatmate Splitter (room-weighted), Wedding Budget (regional NZ), Funeral Cost (with WINZ grant), Nanny Payroll (IR56), Carbon Footprint (with NZ ETS price).
Fixed KiwiSaver Government Contribution calculation bug + extra rate fixes
Critical fix: KiwiSaver Government Contribution calculator was using a 50% match rate instead of the correct 25c per $1 (so it doubled the displayed govt contribution for users below the cap). Now correctly shows up to $260.72/year on $1,042.86 of member contributions. Also fixed: Employee Cost Calculator employer KiwiSaver rate updated from 3% to 3.5%, ESCT calculator default contribution updated to 3.5%, WoF & Rego costs corrected to current NZTA fees (~$108/yr for petrol private car including ACC MVL), RWT calculator dropdown labels now render the em-dash correctly, RUC dropdown same fix, Percentage Calculator label corrected to match input semantics.
Major rate update: WfF, Parental Leave, KiwiSaver 3.5%, IRD interest, IETC, NZ Super
Updated rates and rules across 12 calculators to match FY 2026-27: Working for Families FTC raised to $7,524/yr eldest under 16 ($144.71/wk), $6,113/yr subsequent ($117.56/wk), IWTC base now $5,070 ($97.50/wk). Parental Leave max $788.66/week. KiwiSaver default rate raised from 3% to 3.5% (statutory minimum from 1 April 2026) in Pay, KiwiSaver, KiwiSaver Government Contribution, and KiwiSaver vs Term Deposit calculators. IRD Use of Money Interest (UOMI) underpayment rate updated to 10.91%, overpayment rate to 4.30%. Independent Earner Tax Credit threshold extended to $66,000 (Budget 2024 change, full $520 credit for $24k–$66k income). LVR investor limit raised to 70% (RBNZ relaxation). NZ Super weekly rates updated (single living alone $549, sharing $507, couple each $422). Bright-line calculator now displays historical rules note (10/5 yr periods for older sales).
First Home Grant marked as discontinued
The First Home Grant was scrapped by the Government on 22 May 2024. Added prominent notices to both First Home Grant Calculator and KiwiSaver First Home Calculator. Removed the (no longer existing) grant from KiwiSaver First Home Withdrawal calculations — it now estimates only your KiwiSaver withdrawal portion. Use the KiwiSaver First Home Withdrawal calculator instead.
15 new calculators added
Added 15 new calculators based on user search demand and gaps in NZ market: Schedular Payments (IR330C), Capital Gains Tax (proposed 2027), Best Start Payment, Accommodation Supplement, Crypto Tax, Bonus / Extra Pay Tax, Annual Leave Cash-Up, Final Pay (when leaving a job), Dividend Yield (NZX), NZ Super Eligibility, Director’s Pay vs Dividends, Tile Calculator, Wallpaper Calculator, Carpet Calculator, and Power Bill Calculator. Total now: 119 free NZ calculators.
New: Vehicle Lease Calculator
Added a vehicle lease calculator for NZ. Estimate monthly lease payments with residual value, finance charges, and GST. Useful for businesses comparing leasing vs buying fleet vehicles.
FY 2026-27 rates update
All 103 calculators updated for the 2026-27 financial year (1 April 2026 – 31 March 2027). Key changes: ACC earner’s levy increased from $1.67 to $1.75 per $100 of liable earnings. Maximum liable earnings cap raised from $152,790 to $156,641. KiwiSaver default contribution rate increased from 3% to 3.5% for both employees and employers. KiwiSaver government contribution halved from 50c per $1 (max $521.43/year) to 25c per $1 (max $260.72/year). Tax brackets unchanged.
Minimum wage updated to $23.95/hr
Adult minimum wage increased from $23.50 to $23.95 per hour effective 1 April 2026. Starting-out and training wages increased to $19.16 per hour (80% of adult rate). All pay calculators, minimum wage calculator, and hourly-to-salary converter updated. Source: Employment New Zealand.
Site launch — 103 calculators
Calk NZ launched with 103 free calculators across 14 categories: Tax, Pay & Salary, KiwiSaver, Mortgage & Property, Loans, Business, Financial & Investment, Auto, Health & Lifestyle, Building & DIY, Education, Agriculture & Farming, Immigration, and Tools & Converters. All calculators available in English and te reo Māori. Built with Next.js, all calculations run client-side.