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New Zealand Calculators
Free, accurate New Zealand calculators for mortgage, salary, tax, gst, and retirement. Built for 2025–26 with locally-accurate rates and rules.
Currency
NZD
Tax year
2025–26
Top income tax bracket
39%
GST
15%
Retirement vehicle
KiwiSaver
Earliest retirement age
65
Core calculators
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Mortgage Calculator
Repayments, total interest, and amortization schedule.
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Salary Calculator
Weekly, fortnightly, and monthly net take-home pay.
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Income Tax Calculator
Income tax with country-specific deductions and credits.
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GST Calculator
GST at 15%. Add to or extract from a price.
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KiwiSaver Calculator
Compound projection with 4% safe withdrawal income.
What makes our New Zealand calculators different
- ✓KiwiSaver with 3% match + $521/yr government contribution.
- ✓ACC earner levy + Student loan + PAYE in one calculation.
- ✓Fortnightly mortgage payments work the same as Australia.
- ✓Mortgage splitting strategy across multiple fixed terms supported.
New Zealand guides
A note on accuracy
Rates and rules in New Zealand change frequently. These calculators are for general informational purposes only and don't constitute financial advice. Always verify with the IRD and a qualified advisor before relying on any output for real decisions.