Calculate.co.nz · Independent · Since 2019
The definitive source for free, accurate, NZ-specific financial tools. Independently built, IRD-current, and trusted by Kiwis from Kaitaia to Invercargill for tax, mortgages, KiwiSaver, GST, and every major financial decision.
Calculate.co.nz is New Zealand's most comprehensive free financial resource, combining 206+ powerful calculation tools with 100+ expert educational guides. Whether you're calculating your PAYE tax (2026/27 rates: 10.5%, 17.5%, 30%, 33%, 39%), planning mortgage repayments, checking your LVR (80% standard), optimizing KiwiSaver contributions, managing GST (15%), navigating FIF tax (foreign investments >$50k), or learning about debt payoff strategies, financial independence, or sinking funds - our platform provides accurate, NZ-specific tools and comprehensive guides, completely free with no paywalls or premium tiers.
NZ property tax resources: calculate.co.nz now hosts New Zealand's most comprehensive 10-calculator Property Tax suite, covering every major land and rental tax rule under the Income Tax Act 2007. The Bright-Line Test Comprehensive Calculator handles all four acquisition date bands (post-2015, 2018, 2021, and the current 2-year rule from 1 July 2024), main home exclusion (50/50 test), 12-month absence buffer, new build carve-out, and rollover relief. The Rental Property Cash Flow Calculator delivers full after-tax projections with 100% interest deductibility restored from 1 April 2025 and ring-fencing rules applied. The Interest Deductibility Calculator tests every year from 2022 to 2027 including the pre/post-27 March 2021 acquisition split. The Mixed-Use Holiday Rental Calculator handles Airbnb/Bookabach tax including the platform 8.5% flat rate credit, 62-day test, and standard cost method. The Chattels Depreciation Calculator covers 16 common chattel types at IRD rates (carpet, heat pumps, hot water cylinders, ovens, dishwashers, etc.) using diminishing value and straight-line methods. The Subdivision Tax Calculator applies the 10-year rule (s CB 12), scheme test (s CB 13), and rezoning rule (s CB 14). The Property Sale Tax Triggers Calculator tests all 8 land sale provisions in one tool. The First Home Withdrawal Calculator covers KiwiSaver first home withdrawal (3+ years, $1,000 minimum), Kainga Ora First Home Loan (5% deposit), and the historical First Home Grant (DISCONTINUED 22 May 2024). The Body Corporate Cost Calculator handles operating levies, capital fund contributions, and special levies for unit titles. The Rates & Insurance Affordability Calculator shows full ownership cost including regional council rates (Auckland $4,500, Wellington $4,200, Christchurch $3,200 averages for 2026) and the EQC natural hazards levy ($480 max from 1 October 2024).
NZ PAYE resources: alongside our main PAYE and Salary Calculator, we maintain New Zealand's most comprehensive 10-calculator PAYE suite covering every aspect of payroll tax. Employees can use the Tax Code Picker (the IR330 helper that determines M, ME, SL, S, SH, ST, SA codes), Take Home Pay Calculator, PAYE Square-Up Calculator (year-end reconciliation with residual income tax and provisional tax triggers), and Working for Families Calculator (FTC, IWTC, Best Start with 27c abatement). Employers get the Employer PAYE Cost Calculator (true cost with ACC and KiwiSaver), ESCT Calculator (all five tiers), PAYE Due Dates Calculator (monthly vs twice-monthly $500k threshold with payday filing deadlines), Holiday Pay Calculator (OWP vs AWE greater-of rule), PAYG Holiday Pay Calculator (the 8% loading for casuals), and Bonus and Commission Tax Calculator (extra emolument annualisation). Contractors can use the Schedular Payments Calculator for Schedule 4 withholding tax rates (directors 33%, commission 20%, cleaning, shearing, forestry, horticultural, and the 45% no-notification rate).
NZ GST resources: alongside our main GST Calculator, we maintain New Zealand's most comprehensive 15-calculator GST suite covering everything from basic operations to advanced apportionment. The basic tools include Reverse GST Calculator (extract 15% GST using the IRD 3/23 method), GST on Imports (the Customs formula and $1,000 threshold rule), GST Due Dates 2026/27 (complete filing schedule), GST Registration Threshold (the $60,000 rolling 12-month rule), and GST for Tradies. Advanced tools cover the trickier scenarios: GST Change of Use Calculator (apportionment wash-up under section 21G with 10pp/$1,000 thresholds), GST Second-Hand Goods Calculator (3/23 input credit on used goods from unregistered sellers under section 3A), GST Mixed-Use Asset Calculator (holiday homes, baches, boats and aircraft over $50,000), GST Entertainment Calculator (50% vs 100% deductible categories), GST Basis Switcher (invoice vs payments vs hybrid), GST De-registration Calculator (deemed supply on retained assets), GST Zero-Rated Supply Checker (exports, going concerns, land between registered parties, B2B financial services), and the GST Reverse Charge Calculator for imported services under section 8(4B).
Popular NZ calculators: GST Calculator (add/remove 15% GST), PAYE Calculator (income tax, ACC levies, student loan deductions), Mortgage Calculator (repayments, interest costs), Borrowing Capacity Calculator (DTI ratios, bank assessment), LVR Calculator (deposit requirements, 20% standard), KiwiSaver Calculator (3% employer contributions, $521 government contribution, retirement projections), Provisional Tax Calculator (self-employed tax planning), Student Loan Calculator (12% repayment above $24,128 threshold), and FIF Calculator (FDR, CV, DRR methods for offshore investments).
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 206 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 2026/2027 tax year.
The GST calculator is the most-used tool on the site. Our PAYE and salary calculator breaks down income tax, ACC levies, KiwiSaver contributions, and student loan repayments. The tax refund calculator shows whether you are owed money from IRD. The FBT calculator is the gateway to NZ's most comprehensive free Fringe Benefit Tax suite: 14 interconnected calculators covering motor vehicles, low-interest loans, the Q4 wash-up, the $300 de minimis exemption, the cost vs tax book value choice, close company opt-out, shareholder loan FBT, the IR420 return, public transport exemption, airline and bus operator FBT, the charity exemption, the work-related vehicle exemption checker (the double cab ute trap), the GST on FBT 3/23 adjustment, and the filing frequency decision tool (quarterly vs annual vs income year). The graphing calculator and 3D graphing calculator are free browser-based tools for NCEA maths students. The NCEA grade calculator works out your qualification status, endorsements, and University Entrance eligibility from your credits. The trigonometry calculator solves right triangles and any triangle with full workings, ideal for NCEA Level 2 and 3 maths. The investment calculator projects savings growth with NZ PIE tax rates applied. The probability calculator covers all types from basic through to binomial, normal, and Poisson distributions.
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All calculators and tools are provided for educational and indicative purposes only and do not constitute financial advice.
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