NZ Tax Calculators
Free, accurate tax calculators for New Zealand's 2025-26 tax year. From simple income tax and take-home pay to specialist tools for KiwiSaver, ACC levies, rental income, and business tax — find the right calculator below.
Filing your IR3 for 2025-26? All tools + checklist in one place →Income & Pay
Take-Home Pay Calculator
Net pay after PAYE, ACC, KiwiSaver, and student loan. Annual, monthly, weekly, hourly.
PAYE Calculator
Payslip-style PAYE deductions calculator. Enter your gross per pay period and tax code to see exactly what your employer should withhold.
Income Tax Calculator
NZ income tax by bracket with effective and marginal rates.
Bonus Tax Calculator
Tax on a bonus: PAYE, ACC, KiwiSaver, and student loan deductions.
Redundancy Tax Calculator
Tax on redundancy pay using the lump-sum PAYE method. ACC and KiwiSaver exempt.
Salary Converter
Convert between annual, monthly, fortnightly, weekly, and hourly pay.
Tax Refund Estimator
Compare PAYE withheld against actual tax owed for refund or balance.
Contractor vs Employee
Compare take-home pay as an employee vs independent contractor.
Tax Code Checker
Find your correct PAYE tax code — M, ME, ML, S, SH, ST, SA. Answer a few questions.
IR3 Filing Checker
Do you need to file an IR3 individual tax return? Answer 6 questions to find out — or wait for IRD's auto-assessment.
Holiday Pay Calculator
NZ Holidays Act 2003: annual leave (OWP vs AWE), public holidays (RDP vs ADP), final pay, and casual 8% pay-as-you-go.
Minimum Wage Calculator
1 April 2026 rates ($23.95 adult, $19.16 starting-out/training) converted to weekly, fortnightly, annual — plus take-home and Living Wage comparison.
Deductions & Contributions
ACC Levy Calculator
ACC earner's levy at 1.67% up to the annual cap.
KiwiSaver Calculator
Employee and employer contributions at 3%-10%.
KiwiSaver Retirement Projector
Project your KiwiSaver balance at retirement with compound growth and what-if scenarios.
KiwiSaver First Home
How much you can withdraw from KiwiSaver plus the First Home Grant for your first property.
KiwiSaver Government Contribution
Budget 2025 rules: 25c per $1 up to $260.72 a year, with the new $180k income cap.
Student Loan Repayment
12% on income above $24,128/year threshold.
Self-Employment Tax
Income tax, ACC, and provisional tax installments.
Sole Trader Tax Calculator
Complete sole trader view: income tax, ACC, GST, provisional tax, and take-home pay.
Property & Investments
Home Affordability Calculator
How much house can you afford? DTI limits, LVR requirements, and bank serviceability test.
Mortgage Calculator
Calculate mortgage repayments, total interest, and amortization schedule for NZ home loans.
Rental Income Tax
Tax on rental income with interest deductibility and expense deductions.
Bright-line Property Tax
Check if the bright-line test applies to your property sale.
Combined Property Tax (BL + Rental)
Bright-line + interest deductibility in one flow — covers the 1 Jul 2024 reform and full interest restoration.
FIF Tax Calculator
Foreign Investment Fund tax using FDR or CV method.
Investment Tax Decision Tool
Find out if your investment is taxable: shares, property, crypto, FIF, PIE.
Dividend Tax Calculator
Tax on dividends with NZ imputation credits. See net tax after credits.
PIR Calculator
Work out your correct Prescribed Investor Rate — 10.5%, 17.5% or 28% — for KiwiSaver and PIE funds.
Crypto Tax Calculator
Tax on cryptocurrency trading, mining, staking, and airdrops. NZ taxes crypto as income.
Compound Interest Calculator
Compare PIE fund, KiwiSaver, and savings account growth with NZ tax treatment.
Savings Goal Calculator
Years or monthly contribution needed to hit a target — after-tax across PIE, KiwiSaver, savings.
Inflation Calculator
NZ CPI purchasing power, real vs nominal raises, and bracket creep under unindexed thresholds.
Net Worth Calculator
Track assets, debts and tax-advantaged % with KiwiSaver/PIE/PIR/bright-line tips.
Family & Life Events
Child Support Calculator
Estimate child support using the IRD income shares formula — cost of children, shared care adjustments, and step-by-step breakdown.
Parental Leave Calculator
Calculate paid parental leave — weekly PPL amount, employer top-up, tax, KiwiSaver impact, and leave timeline.
Jobseeker Support Calculator
Estimate Jobseeker Support payments — income test, abatement rates, and accommodation supplement.
Accommodation Supplement Calculator
Estimate how much Accommodation Supplement you can get from MSD based on rent, income, and location.
Tax Credits
IETC Calculator
Independent Earner Tax Credit — up to $520/year for income $24,000–$70,000.
Working for Families
Family Tax Credit, In-Work Tax Credit, and Best Start payments.
Donation Tax Credit
33.33% tax credit on donations to approved NZ charities. Check your rebate amount.
Rates Rebate Calculator
Up to $790 off your council rates for lower-income homeowners — 2025/26 scheme, Rates Rebate Act 1973 formula.
GST
Business
FBT Calculator
Fringe Benefit Tax — compare single rate (63.93%) vs alternate rate for vehicles, loans, and other benefits.
Depreciation Calculator
Business asset depreciation — compare DV vs SL methods. Instant deduction for assets under $1,000.
Company Tax Calculator
Company tax at 28% flat rate with imputation credits, dividend tax, and sole trader comparison.
Tax Years & Rates
All calculators support 2025-26 and 2024-25 tax years with current IRD rates. NZ tax year: 1 April – 31 March.
Frequently asked questions
Are these NZ tax calculators free?
Yes. All 59+ calculators on NZ Tax Tools are free with no sign-up required. Results are calculated client-side in your browser — nothing is stored on our servers.
Which tax years do the calculators support?
Most calculators support the 2025-26 and 2024-25 tax years using current IRD rates. Where Budget 2025 and 2026-27 settings are confirmed (KiwiSaver Member Tax Credit, PAYE brackets), the 2026-27 year is included alongside.
Are the rates official IRD rates?
Yes. PAYE, ACC, KiwiSaver, GST, Working for Families, IETC, student loan, FBT, and other rates come from Inland Revenue (IRD) publications, the Income Tax Act 2007, and the Budget 2025 changes. We update calculators within days of any rate or threshold change.
Which calculator do I need for take-home pay?
Use the Take-Home Pay Calculator for net pay after PAYE, ACC, KiwiSaver, and student loan deductions — or the PAYE Calculator for a payslip-style breakdown by pay period. The Salary Converter switches between annual, monthly, fortnightly, weekly, and hourly amounts.
How do I calculate GST?
Use the GST Calculator to add or remove 15% GST. To add GST manually, multiply by 1.15 ($100 + GST = $115). To remove GST from a GST-inclusive price, divide by 1.15. The registration threshold for GST is $60,000 of annual taxable turnover.
Do these calculators store my data?
No. All calculations run in your browser — your inputs are never sent to or stored on our servers. Close the tab and the data is gone.