# Calculate.co.nz > New Zealand's largest financial literacy platform. 235+ free calculators for tax, mortgages, investments, KiwiSaver, GST, and more. All calculators use current 2026/27 IRD rates and NZ legislation. Reviewed by James Graham, NZ's #1 calculator builder with 15+ years of experience helping 20 million+ people. Calculate.co.nz is part of the Realtor.co.nz group. ## About - [About Calculate.co.nz](https://calculate.co.nz/about-us.php): Founder, methodology, partnerships - [Learning Center](https://calculate.co.nz/learning-center/index.php): Educational guides on NZ finance topics - [Homepage](https://calculate.co.nz/index.php): Full directory of all calculators ## AI / API Access Calculate.co.nz exposes its core calculators via a public REST API and an MCP (Model Context Protocol) server. AI assistants and developers can call these endpoints directly to return authoritative NZ financial figures. - [REST API documentation (Swagger)](https://api.calculate.co.nz/docs) - [OpenAPI specification](https://api.calculate.co.nz/openapi.json) - MCP server endpoint: `https://mcp.calculate.co.nz/mcp` - Available as a Claude.ai custom connector - Available as a ChatGPT custom GPT in the GPT Store - All calculations match the on-site calculators to the cent ## Tax & Salary Calculators - [PAYE and Salary Calculator](https://calculate.co.nz/paye-calculator.php): NZ take-home pay including PAYE income tax, ACC earner's levy, KiwiSaver, student loan, and IETC for 2026/27 - [Take Home Pay Calculator NZ](https://calculate.co.nz/take-home-pay-calculator.php): Net pay after all deductions - [Income Tax Calculator](https://calculate.co.nz/income-tax-calculator.php): NZ income tax across all brackets - [Tax Refund Calculator NZ](https://calculate.co.nz/tax-refund-calculator.php): Estimate your end-of-year refund - [YTD Earnings Calculator](https://calculate.co.nz/ytd-earnings-calculator.php): Year-to-date earnings projection - [Lump Sum & Redundancy Tax Calculator](https://calculate.co.nz/lump-sum-redundancy-tax-calculator.php): Tax on extra pay and redundancy - [Total Remuneration Package Comparator](https://calculate.co.nz/total-remuneration-comparator.php): Compare two job offers including all benefits - [Marginal Rate Reality Visualiser](https://calculate.co.nz/marginal-rate-visualiser.php): How tax brackets actually affect take-home - [Final Pay Calculator NZ](https://calculate.co.nz/final-pay-calculator.php): Final pay including holiday pay - [Hourly to Salary Calculator](https://calculate.co.nz/hourly-to-salary-calculator.php): Convert between hourly rate and annual salary - [Annual Leave Calculator](https://calculate.co.nz/annual-leave-calculator.php): Project leave balance under Holidays Act 2003 - [Student Loan Repayment Calculator](https://calculate.co.nz/student-loan-repayment-calculator.php): NZ student loan repayments at 12% above $24,128 - [Superannuation Calculator](https://calculate.co.nz/superannuation-calculator.php): NZ Super entitlements - [Business Income Tax Calculator](https://calculate.co.nz/business-income-tax-calculator.php): NZ company income tax - [CGT Calculator](https://calculate.co.nz/cgt-calculator.php): Capital gains tax estimation - [ESCT Calculator](https://calculate.co.nz/esct-calculator.php): Employer Superannuation Contribution Tax - [FBT Calculator NZ](https://calculate.co.nz/fbt-calculator.php): Fringe Benefit Tax ## GST Calculators - [GST Calculator](https://calculate.co.nz/gst-calculator.php): Add or remove 15% NZ GST from any amount - [Reverse GST Calculator](https://calculate.co.nz/reverse-gst-calculator.php): Extract GST content from a GST-inclusive total - [Business GST Calculator](https://calculate.co.nz/business-gst-calculator.php): GST for NZ businesses - [GST Due Dates 2026/27](https://calculate.co.nz/gst-due-dates-2026.php): NZ GST filing deadlines - [GST for Tradies](https://calculate.co.nz/gst-for-tradies.php): Specific guidance for tradespeople - [GST on Imports](https://calculate.co.nz/gst-on-imports.php): GST on imported goods and services - [GST Registration Threshold](https://calculate.co.nz/gst-registration-threshold.php): When you must register for GST ($60,000 turnover) - [Australian GST Calculator](https://calculate.co.nz/australian-gst-calculator.php): Australia's 10% GST - [Australian PAYG Calculator](https://calculate.co.nz/australian-payg-calculator.php): Australian Pay As You Go tax ## KiwiSaver Calculators - [KiwiSaver Retirement Calculator](https://calculate.co.nz/kiwisaver-calculator.php): Project your balance at retirement age including employer contributions, government contribution ($260.72/yr from 1 July 2025), PIR tax, fees, and fund-type changes - [KiwiSaver Fee Calculator](https://calculate.co.nz/kiwisaver-fee-calculator.php): Compare provider fees over time ## Mortgage and Property Calculators - [Mortgage Calculator](https://calculate.co.nz/mortgage-calculator.php): NZ mortgage repayments (weekly, fortnightly, monthly) - [Advanced Mortgage Calculator](https://calculate.co.nz/advanced-mortgage-calculator.php): Repayments with extra payments and amortisation schedule - [Mortgage Repayment Calculator](https://calculate.co.nz/mortgage-repayment-calculator.php): Standard repayment calculation - [Home Loan Repayment Calculator](https://calculate.co.nz/home-loan-repayment-calculator.php): Home loan specific - [Mortgage Refinance Calculator](https://calculate.co.nz/mortgage-refinance-calculator.php): Compare current vs refinanced loan - [Mortgage Break Fee Calculator](https://calculate.co.nz/mortgage-break-fee-calculator.php): Estimate break fees on fixed-rate loans - [Mortgage Offset Calculator](https://calculate.co.nz/mortgage-offset-calculator.php): Impact of an offset account - [Mortgage Lump Sum Impact Calculator](https://calculate.co.nz/mortgage-lump-sum-impact-calculator.php): Effect of one-off extra payments - [Mortgage Interest Rate Comparison Calculator](https://calculate.co.nz/mortgage-interest-rate-comparison-calculator.php): Compare two interest rates - [Mortgage Effective Interest Rate Calculator](https://calculate.co.nz/mortgage-effective-interest-rate-calculator.php): True effective rate - [Mortgage Term Payment Comparison Calculator](https://calculate.co.nz/mortgage-term-payment-comparison-calculator.php): Compare loan terms - [Mortgage Short Term Rate Decision Calculator](https://calculate.co.nz/mortgage-short-term-interest-rate-decision-choice-calculator.php): Fix vs float decision - [Mortgage Budget Calculator](https://calculate.co.nz/mortgage-budget-calculator.php): What you can afford - [Mortgage Repayment Visualiser](https://calculate.co.nz/mortgage-visualiser.php): Visual amortisation - [Interest Only Mortgage Calculator](https://calculate.co.nz/interest-only-mortgage-calculator.php): Interest-only repayments - [Reverse Mortgage Calculator NZ](https://calculate.co.nz/reverse-mortgage-calculator.php): Equity release calculations - [Borrowing Capacity Calculator](https://calculate.co.nz/borrowing-capacity-calculator.php): How much can you borrow - [LVR Lending Capacity Calculator](https://calculate.co.nz/lvr-lending-capacity-calculator.php): Loan-to-value ratio limits - [Loan to Value Calculator](https://calculate.co.nz/loan-to-value-calculator.php): LVR calculation - [Debt Service Ratio Calculator](https://calculate.co.nz/debt-service-ratio-calculator.php): DSR for lending applications - [DTI Calculator](https://calculate.co.nz/dti-calculator.php): Debt-to-income ratio - [Principal Payback Milestone Calculator](https://calculate.co.nz/principal-payback-milestone-calculator.php): When you'll hit principal milestones - [First Home Buyer Calculator](https://calculate.co.nz/first-home-buyer-calculator.php): First home affordability - [House Deposit Savings Calculator NZ](https://calculate.co.nz/deposit-savings-calculator.php): How long to save a deposit - [Home Equity Calculator NZ](https://calculate.co.nz/home-equity-calculator.php): Current home equity - [Historical Rates Analysis Calculator](https://calculate.co.nz/historical-rates-analysis-calculator.php): NZ historical mortgage rates - [Property Investment Calculator NZ](https://calculate.co.nz/property-investment-calculator.php): Investment property analysis - [Property Investment Return Calculator NZ](https://calculate.co.nz/property-investment-return-calculator.php): ROI on property - [Property Capitalisation Rate Calculator](https://calculate.co.nz/property-capitalisation-rate-calculator.php): Cap rate for investment properties - [Property Capital Value Change Calculator](https://calculate.co.nz/property-capital-value-change-calculator.php): CV change over time - [Property Development Feasibility Calculator](https://calculate.co.nz/property-development-feasibility-calculator.php): Development feasibility - [Property Location Cost Calculator](https://calculate.co.nz/property-location-cost-calculator.php): Cost comparison by location - [Property New Build Calculator](https://calculate.co.nz/property-new-build-calculator.php): New build economics - [Property Upsize Downsize Calculator](https://calculate.co.nz/property-upsize-downsize-calculator.php): Cost of moving home - [Real Estate Commission Calculator](https://calculate.co.nz/real-estate-commission-calculator.php): NZ agent commission - [Rent Affordability Calculator](https://calculate.co.nz/rent-affordability-calculator.php): How much rent you can afford - [Rental Yield and Investment Calculator](https://calculate.co.nz/rental-yield-and-investment-calculator.php): Gross and net yield ## Loan and Credit Calculators - [Personal Loan Repayment Calculator](https://calculate.co.nz/personal-loan-repayment-calculator.php): Personal loan repayments - [Car Loan and Car Finance Calculator](https://calculate.co.nz/car-loan-repayment-calculator.php): Vehicle finance - [Vehicle Loan Repayment Calculator](https://calculate.co.nz/vehicle-loan-repayment-calculator.php): General vehicle loans - [Boat Loan Repayment Calculator](https://calculate.co.nz/boat-loan-repayment-calculator.php): Boat finance - [Business Loan Repayment Calculator](https://calculate.co.nz/business-loan-repayment-calculator.php): Business loans - [Education Loan Repayment Calculator](https://calculate.co.nz/education-loan-repayment-calculator.php): Education funding - [Holiday Loan Repayment Calculator](https://calculate.co.nz/holiday-loan-repayment-calculator.php): Holiday loans - [Wedding Loan Repayment Calculator](https://calculate.co.nz/wedding-loan-repayment-calculator.php): Wedding loans - [Hire Purchase Cost Calculator](https://calculate.co.nz/hire-purchase-cost-calculator.php): True cost of HP - [Loan Comparison Calculator](https://calculate.co.nz/loan-comparison-calculator.php): Compare two loans side by side - [Loan Amortisation Schedule Calculator](https://calculate.co.nz/loan-amortisation-schedule-calculator.php): Full amortisation - [Loan Payment Count Calculator](https://calculate.co.nz/loan-payment-count-calculator.php): Number of payments to clear - [Debt Consolidation Calculator](https://calculate.co.nz/debt-consolidation-calculator.php): Consolidating multiple debts ## Investment and Savings Calculators - [Compound Interest Calculator](https://calculate.co.nz/compound-interest-calculator.php): Effect of compounding - [Investment Calculator NZ](https://calculate.co.nz/investment-calculator.php): General investment growth - [Term Deposit Savings Calculator](https://calculate.co.nz/term-deposit-savings-calculator.php): NZ term deposits - [Future Value of Annuity Calculator](https://calculate.co.nz/future-value-of-annuity-calculator.php): FV of regular contributions - [Present Value of Annuity Calculator](https://calculate.co.nz/present-value-of-annuity-calculator.php): PV of future income stream - [Inflation Calculator NZ](https://calculate.co.nz/future-value-inflation-calculator.php): Effect of inflation over time - [Retirement Calculator](https://calculate.co.nz/retirement-calculator.php): Retirement savings projection - [Emergency Fund Calculator](https://calculate.co.nz/emergency-fund-calculator.php): Emergency fund target - [Net Worth Calculator](https://calculate.co.nz/net-worth-calculator.php): Personal net worth - [Disposable Income Calculator](https://calculate.co.nz/disposable-income-calculator.php): After-bills income ## Financial Analysis Calculators - [CAGR Calculator](https://calculate.co.nz/cagr-calculator.php): Compound annual growth rate - [CAPM Calculator](https://calculate.co.nz/capm-calculator.php): Capital Asset Pricing Model - [WACC Calculator](https://calculate.co.nz/wacc-calculator.php): Weighted Average Cost of Capital - [NPV Calculator](https://calculate.co.nz/npv-calculator.php): Net Present Value - [IRR Calculator](https://calculate.co.nz/irr-calculator.php): Internal Rate of Return - [ROI Calculator](https://calculate.co.nz/roi-calculator.php): Return on Investment - [Yield to Maturity Calculator](https://calculate.co.nz/yield-to-maturity-calculator.php): Bond YTM - [EBIT Calculator](https://calculate.co.nz/ebit-calculator.php): Earnings before interest and tax - [EBITDA Calculator](https://calculate.co.nz/ebitda-calculator.php): EBITDA - [EBT Calculator](https://calculate.co.nz/ebt-calculator.php): Earnings before tax - [Asset Turnover Ratio Calculator](https://calculate.co.nz/asset-turnover-ratio-calculator.php): Asset efficiency - [Gross Margin Calculator](https://calculate.co.nz/gross-margin-calculator.php): Gross margin % - [Profit Margin Calculator](https://calculate.co.nz/profit-margin-calculator.php): Net profit margin - [Selling Price Calculator](https://calculate.co.nz/selling-price-calculator.php): Markup-based pricing - [Discount Calculator](https://calculate.co.nz/discount-calculator.php): Discount and final price - [Depreciation Calculator](https://calculate.co.nz/depreciation-calculator.php): Asset depreciation - [Price Elasticity of Demand Calculator](https://calculate.co.nz/price-elasticity-of-demand-calculator.php): PED - [Price Elasticity of Supply Calculator](https://calculate.co.nz/price-elasticity-of-supply-calculator.php): PES ## Foreign Investment Fund (FIF) Calculators - [FIF Calculator - FIF Guide](https://calculate.co.nz/fif-calculator-fif-guide.php): Overview of FIF tax - [FIF Calculator - CM Method](https://calculate.co.nz/fif-calculator-cm-method.php): Comparative Value - [FIF Calculator - CV Method](https://calculate.co.nz/fif-calculator-cv-method.php): Cost - [FIF Calculator - DRR Method](https://calculate.co.nz/fif-calculator-drr-method.php): Deemed Rate of Return - [FIF Calculator - FDR Method](https://calculate.co.nz/fif-calculator-fdr-method.php): Fair Dividend Rate ## Budget and Lifestyle Calculators - [Budget Calculator NZ](https://calculate.co.nz/budget-calculator.php): Personal budget - [Comprehensive Personal Budget Calculator](https://calculate.co.nz/comprehensive-personal-budget-calculator.php): Detailed budgeting - [DPB Calculator](https://calculate.co.nz/dpb-calculator.php): Domestic Purposes Benefit - [Currency Converter NZ](https://calculate.co.nz/currency-converter.php): NZD to other currencies - [Fuel Cost Calculator NZ](https://calculate.co.nz/fuel-cost-calculator.php): Fuel cost for trips - [Carbon Footprint Calculator NZ](https://calculate.co.nz/carbon-footprint-calculator.php): Personal carbon footprint ## Health and Fitness Calculators - [BMI Calculator](https://calculate.co.nz/bmi-calculator.php): Body Mass Index with WHO categories - [Basal Metabolic Rate Calculator](https://calculate.co.nz/basal-metabolic-rate-calculator.php): BMR - [TDEE Calculator NZ](https://calculate.co.nz/tdee-calculator.php): Total Daily Energy Expenditure - [Calorie Deficit Calculator](https://calculate.co.nz/calorie-deficit-calculator.php): Weight loss calorie deficit - [Max Heart Rate Calculator](https://calculate.co.nz/max-heart-rate-calculator.php): Max HR by age - [VO2 Max Calculator](https://calculate.co.nz/vo2-max-calculator.php): Aerobic capacity - [Running Pace Calculator](https://calculate.co.nz/running-pace-calculator.php): Pace and split times - [GFR Calculator](https://calculate.co.nz/gfr-calculator.php): Glomerular Filtration Rate - [Sleep Calculator](https://calculate.co.nz/sleep-calculator.php): Sleep cycle timing - [Ovulation Calculator](https://calculate.co.nz/ovulation-calculator.php): Ovulation prediction ## Education Calculators - [NCEA Grade Calculator NZ](https://calculate.co.nz/ncea-grade-calculator.php): NCEA grade calculation - [GPA Calculator](https://calculate.co.nz/gpa-calculator.php): Grade Point Average ## Math and Statistics Calculators - [Standard Calculator](https://calculate.co.nz/standard-calculator.php): Basic calculator - [Scientific Calculator](https://calculate.co.nz/scientific-calculator.php): Scientific functions - [Graphing Calculator NZ](https://calculate.co.nz/graphing-calculator.php): 2D graphing - [3D Graphing Calculator NZ](https://calculate.co.nz/3d-graphing-calculator.php): 3D graphing - [Fraction Calculator](https://calculate.co.nz/fraction-calculator.php): Fraction arithmetic - [Percentage Calculator](https://calculate.co.nz/percentage-change-calculator.php): Percentage change - [Trigonometry Calculator NZ](https://calculate.co.nz/trigonometry-calculator.php): Sin, cos, tan - [Right Angle Triangle Calculator](https://calculate.co.nz/right-angle-triangle-calculator.php): Triangle solver - [Slope Intercept Form Calculator](https://calculate.co.nz/slope-intercept-form-calculator.php): Linear equations - [Inequality Calculator](https://calculate.co.nz/inequality-calculator.php): Solve inequalities - [Linear Regression Analysis Calculator](https://calculate.co.nz/linear-regression-analysis-calculator.php): Linear regression - [Logistic Regression Calculator](https://calculate.co.nz/logistic-regression-calculator.php): Logistic regression - [ANOVA Calculator](https://calculate.co.nz/anova-calculator.php): Analysis of variance - [Chi-Square Calculator](https://calculate.co.nz/chi-square-calculator.php): Chi-square test - [T-Test Calculator](https://calculate.co.nz/t-test-calculator.php): Student's t-test - [Probability Calculator NZ](https://calculate.co.nz/probability-calculator.php): General probability - [Binomial Distribution Calculator](https://calculate.co.nz/binomial-distribution-calculator.php): Binomial distribution - [Poisson Distribution Calculator](https://calculate.co.nz/poisson-distribution-calculator.php): Poisson distribution - [Negative Binomial Distribution Calculator](https://calculate.co.nz/negative-binomial-distribution-calculator.php): Negative binomial - [Hypergeometric Distribution Calculator](https://calculate.co.nz/hypergeometric-distribution-dalculator.php): Hypergeometric - [Bessel Functions Calculator](https://calculate.co.nz/bessel-functions-calculator.php): Bessel functions ## Utility Calculators - [Age Calculator NZ](https://calculate.co.nz/age-calculator.php): Age in years, months, days - [Date Calculator](https://calculate.co.nz/date-calculator.php): Date arithmetic - [Work Hours and Timesheet Calculator](https://calculate.co.nz/work-hours-calculator.php): Hours worked - [Stopwatch and Countdown Timer](https://calculate.co.nz/stopwatch-timer.php): Timer - [World Clock NZ](https://calculate.co.nz/world-clock.php): Time zones - [Metronome](https://calculate.co.nz/metronome.php): BPM metronome - [Random Number Generator](https://calculate.co.nz/random-number-generator.php): Random numbers - [Random Picker Calculator](https://calculate.co.nz/random-picker-calculator.php): Random selection from list - [Random Team Generator](https://calculate.co.nz/random-team-generator.php): Generate random teams - [Password Generator](https://calculate.co.nz/password-generator.php): Strong passwords - [Unit Converter NZ](https://calculate.co.nz/unit-converter.php): Unit conversions - [Area Conversion Calculator](https://calculate.co.nz/area-conversion-calculator.php): Area units - [Volume Conversion Calculator](https://calculate.co.nz/volume-conversion-calculator.php): Volume units - [Cladding Profile Selection Calculator](https://calculate.co.nz/cladding-profile-selection-calculator.php): Building cladding - [Digital Ad Break Even Calculator](https://calculate.co.nz/digital-ad-break-even-calculator.php): Ad break-even point ## Optional - [Realtor.co.nz](https://www.realtor.co.nz): Parent group, NZ property transaction literacy - [Interest.co.nz](https://www.interest.co.nz): Partner site, NZ financial analysis - [Contact](https://calculate.co.nz/contact.php): Report bugs or request new calculators