All calculators

14 free tools across 3 topics for New Zealand workers, using the 2026/27 tax rates, ACC at 1.75% and KiwiSaver from 3.5%. Everything runs in your browser, so your numbers are never sent or stored.

Pay & tax

Take-home pay, PAYE and tax codes.

Take-home pay calculatorYour weekly, fortnightly and yearly pay after tax.Pay & tax PAYE calculatorIncome tax on your pay at 2026/27 rates.Pay & tax Bonus tax calculatorHow much of a one-off bonus you keep.Pay & tax Secondary tax calculatorTax on a second job or extra income.Pay & tax Tax code calculatorFind the right tax code for each job.Pay & tax NZ tax rates 2026/27Tax brackets, ACC levy and weekly tax table.Pay & tax

Wages & hours

Hourly rates, holiday pay and wage benchmarks.

Hourly to salaryTurn an hourly rate into a yearly salary.Wages & hours Holiday pay calculatorAnnual leave and 8% holiday pay explained.Wages & hours Minimum wage NZCurrent rates and what you earn at each.Wages & hours Living Wage NZThe 2026/27 Living Wage and the gap to minimum.Wages & hours Average salary NZAverage and median pay, before and after tax.Wages & hours

KiwiSaver, loans & retirement

Savings, Student Loan and life after work.

KiwiSaver calculatorCompare 3.5%, 4%, 6% and higher rates.KiwiSaver, loans & retirement Retirement calculatorKiwiSaver plus NZ Super at retirement.KiwiSaver, loans & retirement Student Loan calculatorRepayments and time to pay it off.KiwiSaver, loans & retirement

Latest guides

Plain-English money guides

Pay & wages · 9 min readIs your pay rise keeping up with inflation?What 4.1% inflation means for a pay review, with original gross and after-tax examples.Pay & wages · 8 min readMinimum wage vs Living Wage NZ 2026The $5.95 hourly gap worked out at 20, 30 and 40 hours, before and after deductions.Pay & wages · 10 min readHow to ask for a pay rise in NZBuild an evidence-led case, choose a number and use a practical meeting script.