Updates
Rate changes, new calculators, and site improvements. All calculators are updated at the start of each financial year (1 April).
2026
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 $1.60 to $1.75 per $100 of liable earnings. Maximum liable earnings cap raised from $142,283 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.