"I built New Zealand's best free calculator and financial literacy website because access to clear, reliable knowledge should never depend on what you can afford, and empowered individuals strengthen the whole community." - James Graham
Our comprehensive suite of calculators is designed to demystify the complexities of financial, tax, and lending matters, making it easier for Kiwis to navigate these essential aspects of life. Whether you're in the market for a new home and need to understand your mortgage options, or you're sorting out your taxes and require a clear breakdown, Calculate.co.nz has you covered. Our range of calculators, including the GST calculator, PAYE calculator, Mortgage calculator, KiwiSaver calculator, and FIF calculator, are crafted to provide you with precise and actionable information.
We understand that making financial decisions can be daunting. That's why our tools are not only accurate but also user-friendly, ensuring that you can proceed with confidence, whether you're evaluating your mortgage repayments, planning for retirement with KiwiSaver, or calculating your tax obligations.
Calculate.co.nz stands as a beacon of quality information, empowering you with clarity and control over your financial decisions. Our calculators are the result of meticulous research and dedication to providing you with the most reliable and up-to-date data.
For those moments when you need to crunch numbers, remember that Calculate.co.nz is just a click away, ready to assist you with transparent guidance and expertly designed calculation tools. If you need a calculation tool, think Calculate.co.nz.
Calculate.co.nz is New Zealand's largest collection of free online calculators, built for Kiwis who need fast, accurate answers to everyday financial, tax, and property questions. Over 100 calculators and in-depth learning guides cover everything from GST and PAYE to mortgage repayments, KiwiSaver projections, and overseas investment tax, all updated for the 2025/2026 tax year.
Our Learning Center is the most comprehensive free financial literacy resource available in New Zealand. Each guide is written specifically for the New Zealand context, covering IRD rules, current tax rates, and real-world examples that Kiwis actually face. Topics span GST, PAYE, mortgages, KiwiSaver, FIF, borrowing capacity, and first home buying, with every guide paired with interactive quizzes so you can test your understanding as you go. No paywalls, no sign-ups, no premium tiers. Whether you're a student learning about tax for the first time, a first home buyer navigating deposits and grants, or a business owner keeping up with compliance, the Learning Center gives you the knowledge to make confident financial decisions. Financial literacy changes lives, and we believe every New Zealander deserves access to it.
The GST calculator is the most-used tool on the site, relied on by thousands of New Zealand businesses and consumers every day. Whether you need to add 15% GST to a price, extract GST from a GST-inclusive amount, or reverse-calculate GST for an invoice, it handles every scenario. Businesses preparing GST returns can use our Business GST calculator to reconcile sales, purchases, and IRD filing obligations in one place.
Our PAYE calculator breaks down income tax, ACC levies, KiwiSaver contributions, and student loan repayments so employees can see exactly what they'll take home each pay cycle. Employers use it to verify payroll deductions and ensure compliance with current IRD tax codes. For a broader view of your tax position, our income tax calculator and student loan repayment calculator cover additional scenarios.
Working out holiday pay entitlements in New Zealand can be complicated, especially with the greater-of calculations required under the Holidays Act. Our annual leave calculator handles ordinary weekly pay, average weekly earnings, and part-time or irregular hour arrangements, giving employees and employers a clear figure they can rely on.
When it comes to property decisions, our advanced mortgage calculator models repayments across different interest rates, loan terms, and payment frequencies so you can understand borrowing limits and long-term commitments. You can use the real estate commission calculator to estimate agent fees before listing, the rental yield and investment calculator to evaluate returns on an investment property, or the mortgage break fee calculator to understand the cost of exiting a fixed-rate loan early. First home buyers can begin with our first home buyer calculator for a step-by-step look at deposits, KiwiSaver HomeStart grants, and LVR requirements.
Preparing for retirement is easier with our KiwiSaver calculator, which projects the growth of your savings based on your contribution rate, employer matching, and fund type so you can see whether you're on track for the retirement you want. Pair it with the superannuation calculator and retirement calculator for a more complete picture of your long-term financial outlook.
If you hold shares or funds outside New Zealand, the Foreign Investment Fund rules apply. Our FIF guide explains all five calculation methods, while dedicated calculators for the Fair Dividend Rate (FDR) and Comparative Value (CV) methods let you calculate your actual tax obligation. These tools are designed to help investors stay compliant with IRD requirements and avoid penalties at tax time.
Beyond finance, Calculate.co.nz offers popular tools such as the BMI calculator, GPA calculator, percentage change calculator, and compound interest calculator, used by students, professionals, and anyone who needs a quick, reliable answer. Our profit margin calculator and depreciation calculator are also widely used by small business owners for day-to-day decision making.
Calculate.co.nz is not just a collection of calculators; it is a complete financial literacy platform built for New Zealand. With structured guides, practical examples, and interactive tools working together, you have everything you need in one place. If you need a calculation tool, think Calculate.co.nz.
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Calculate.co.nz is partnered with Interest.co.nz for New Zealand's highest quality calculators and financial analysis.
All calculators and tools are provided for educational and indicative purposes only and do not constitute financial advice.
Calculate.co.nz is proudly part of the Realtor.co.nz group, New Zealand's leading property transaction literacy platform, helping Kiwis understand the home buying and selling process from start to finish. Whether you're a first home buyer navigating your first property purchase, an investor evaluating your next acquisition, or a homeowner planning to sell, Realtor.co.nz provides clear, independent, and trustworthy guidance on every step of the New Zealand property transaction journey.
Calculate.co.nz is also partnered with Health Based Building and Premium Homes to promote informed choices that lead to better long-term outcomes for Kiwi households.
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