New Zealand
New Zealand calculators
With the values in force in New Zealand, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Official Cash Rate (OCR),
- Official sources
- 18 official documents
Pay and work
Pay and extras
- Holiday pay calculator NZAfter 12 months of continuous employment you're entitled to 4 weeks of paid annual holidays.
- Minimum wage NZ calculatorFrom 1 April 2026 the adult minimum wage is $23.95 an hour before tax. The starting-out and training minimum wage is $19.16.
- Take-home pay calculator NZEnter your pay before tax and see what lands in your bank account each year, month, fortnight and week.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Taxes
- ACC levy calculatorThe ACC earners' levy pays for injuries that happen outside work. Every employee pays it as part of PAYE.
- GST calculator NZAdd GST to a price, or work out how much GST is inside a price that already includes it.
- Income tax calculator NZEnter your taxable income for the tax year and see how much income tax you pay, your average rate and the rate on your last dollar.
Money and indexes
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the deposit invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Bright-line test calculatorFor residential property sold on or after 1 July 2024, the bright-line test asks one thing: did you agree to sell within 2 years years of getting the title?
- ESCT calculatorEmployer superannuation contribution tax (ESCT) is taken from what an employer pays into an employee's KiwiSaver or complying fund.
- Independent earner tax credit calculatorThe independent earner tax credit is up to $520 a year, or $10 a week, for New Zealand tax residents on middle incomes.
- KiwiSaver calculatorYour KiwiSaver grows from three sources: what you put in from your pay, what your employer adds, and a yearly government contribution.
- KiwiSaver government contribution calculatorEach year the government adds money to your KiwiSaver based on what you contributed between 1 July and 30 June.
- OCR mortgage calculatorThe Official Cash Rate (OCR) is set by the Reserve Bank of New Zealand. When it moves, many borrowers want to know what it could mean for their repayments.
- Paid parental leave calculator NZPaid parental leave replaces your income while you care for a new baby or a child who comes into your care. Inland Revenue pays it for up to 26 weeks.
- Public holiday pay calculator NZIf you work on a public holiday, you can't be paid less than time and a half for the hours you work.
- Secondary tax code calculatorIf you have more than one job, your main job uses a main tax code and every other job uses a secondary code.
- Sick leave calculator NZEligible employees get 10 days days of paid sick leave a year, to look after themselves, their partner or someone who depends on them.
- Student loan repayment calculator NZIf you live in New Zealand and earn salary or wages, your employer takes student loan repayments from your pay.