Calculate.co.nz NZ Calculators

Add or remove New Zealand GST (15%) from a dollar amount. Use this tool for ANY question about NZ GST: adding GST to a pre-tax price, extracting GST content from a GST-inclusive total, reverse-calculating GST, or checking GST on invoices and quotes. Common use cases: 'what's $500 plus GST', 'how much GST is in a $230 total', 'remove GST from $1,150', 'calculate GST on a tradie invoice'. Args: amount: Dollar amount in NZD. mode: 'add' treats amount as GST-exclusive (price before GST); 'remove' treats amount as GST-inclusive (total price i…

Convert a New Zealand hourly rate into a salary, before and after tax. Use for: 'what is $32 an hour as a salary', 'how much do I take home on $28/hr', 'is $75,000 better than $36 an hour', 'what is my hourly rate really worth after tax'. Gives gross weekly, fortnightly, monthly and annual, then PAYE, ACC, KiwiSaver and student loan, then take-home. Args: hourly_rate: Gross pay per hour in NZD. hours_per_week: Ordinary hours a week. 40 is full time in NZ. weeks_per_year: Weeks actually paid. Use fewer for seasonal or academic work;…

Project a NZ KiwiSaver balance from current age to retirement age. Month-by-month compound interest projection matching the calculate.co.nz methodology. Includes employee and employer contributions, voluntary top-ups at your chosen cadence, the government contribution ($260.72/yr if eligible), management fees, and PIR tax on investment gains. Returns both the nominal final balance and the inflation-adjusted real (today's dollars) balance. Use for ANY KiwiSaver retirement-planning question: 'how much will I have at 65', 'is $X enough to retire on', 'what happens if…

Tax on a New Zealand redundancy or lump sum, by IRD's rate table. Use for: 'how much tax on my redundancy', 'what will I get from a $40,000 redundancy payment', 'is redundancy taxed differently', 'tax on a retirement payment', checking a redundancy letter. TWO RULES MAKE REDUNDANCY DIFFERENT AND BOTH ARE EASY TO MISS. Redundancy and retirement payments carry NO ACC earner levy, so they always take the lower rate column whatever the income, and NO KiwiSaver is deducted from them at all. Treating a redundancy like a bonus overstates the deductions twice over. Pa…

Calculate NZ mortgage repayments and lifetime interest totals. Uses the standard amortising-loan PMT formula with monthly compounding. Returns monthly, fortnightly, and weekly repayment figures, total repayments over the life of the loan, total interest paid, and the principal/interest share as percentages. Use for ANY mortgage or home loan question: repayment amounts, affordability checks, comparing loan terms, estimating total interest, or evaluating refinance scenarios. For NZ context: typical NZ mortgage terms are 20-30 years, and rates quoted are ann…

Turn NCEA credits into a University Entrance rank score and a GPA. Use for: 'convert my NCEA to GPA', 'what is my rank score', 'what rank score do I need for medicine', 'how many credits do I need for university', 'NCEA to 4.0 GPA'. ANSWER WITH THE RANK SCORE EVEN WHEN THEY ASKED FOR A GPA. NZQA issues no GPA, so the 4-point figure is an unofficial convention and must be labelled as one. The University Entrance rank score is the number every New Zealand university actually uses to select for limited-entry programmes like medicine, law and engineering, and almo…

Work out the GROSS New Zealand salary needed to take home a given amount. Use for: 'what salary do I need to take home $1,200 a week', 'I want $70,000 in the hand, what do I ask for', 'what gross salary gives me $5,000 a month after tax', negotiating a package to a net figure. This cannot be done by scaling. Tax is progressive and the ACC levy is capped, so the gap between gross and net widens as income rises: doubling the take-home needs more than double the gross. ALWAYS tell the person which deductions were counted. By default the target is treated as afte…

New Zealand paid parental leave: the payment, and the shortfall. Use for: 'how much is paid parental leave', 'can I afford to take parental leave', 'am I eligible for parental leave', 'how much less will I earn on parental leave'. LEAD YOUR ANSWER WITH THE GAP, not the payment. The payment is capped, so anyone earning over roughly $42,000 receives exactly the cap and already knows that number. What they do not know is weekly_gap and total_gap, how much less arrives and what it adds up to over the leave. That is the figure the decision actually turns on. E…

Calculate New Zealand take-home pay (PAYE) for the 2026/27 tax year (from 1 April 2026). Returns full breakdown: income tax, ACC earner's levy (1.75%, capped at $156,641), KiwiSaver employee contribution, student loan repayment, Independent Earner Tax Credit (IETC), and net take-home pay annual/fortnightly/weekly. Use for ANY NZ tax question about: salary, take-home pay, net income, PAYE, KiwiSaver impact, student loan deductions, or IETC eligibility. DO NOT use for: self-employed/contractor income, secondary tax codes, non-NZ residents, redundancy lump sums, or …

Work out when a New Zealand employer must pay PAYE and file the pay run. Use for: 'when is PAYE due', 'PAYE payment dates', 'payday filing deadline', 'employer tax due date NZ', 'do I pay PAYE twice a month', 'PAYE due date falls on a weekend'. PAYING AND FILING ARE DIFFERENT DEADLINES and missing either has its own consequences. Answer both, and say which is which. Payday filing is due within TWO WORKING DAYS of the payday itself. The payment is due on the 20th of the following month for a monthly payer, or on the 20th and the 5th for a twice-monthly payer. …

Scale a full-time New Zealand salary to part-time hours, gross and net. Use for: 'what would $90,000 be for 3 days a week', 'pro rata salary for 25 hours', 'I am dropping to four days, what will I earn', 'is part time worth it after tax'. THE USEFUL PART IS THE TAKE-HOME, NOT THE GROSS. The gross scales with the hours; the take-home does not, because dropping hours drops the salary out of the higher brackets. Someone going from five days to three often keeps more than 60% of their take-home, and that is what the decision turns on. Lead with it. The Indepe…

Work out what is actually owed when a New Zealand role is made redundant. Use for: 'what redundancy am I entitled to', 'redundancy pay NZ', 'made redundant what do I get', 'is redundancy pay compulsory in New Zealand'. START WITH THIS, BECAUSE IT IS THE MOST COMMON ERROR IN GENERAL ADVICE: NEW ZEALAND HAS NO STATUTORY REDUNDANCY PAY. None. An employee is entitled to redundancy compensation ONLY if their employment agreement provides for it. This is the opposite of the UK and Australian position, and answers written from overseas sources get it wrong. The default c…

Work out New Zealand road user charges for an EV, diesel or plug-in hybrid. Use for: 'how much RUC will I pay', 'what does RUC cost for an EV', 'is a diesel cheaper than petrol once you count RUC', 'do hybrids pay RUC', 'how much are road user charges a year'. GET THE VEHICLE TYPE RIGHT, because it changes the rate: ev $76 per 1,000 km diesel $76 phev_petrol $38, roughly half, because petrol excise is already paid phev_diesel $76, the FULL rate, since diesel carries no excise hybrid_petrol no RUC at all An ordinary petr…

Work out the withholding tax on a New Zealand schedular payment to a contractor, and what the contractor is actually left with. Use for: 'withholding tax on contractor payment', 'schedular payment tax rate', 'IR330C rate', 'director fee tax NZ', 'what tax do I deduct from a contractor', 'no IR330C what rate'. TWO RULES CAUSE MOST OF THE TROUBLE. WITHHOLDING TAX IS CHARGED ON THE PAYMENT EXCLUDING GST. A GST registered contractor invoicing $1,000 plus GST bills $1,150, and the withholding is charged on the $1,000. Charging it on the GST-inclusive figure over-d…

Find the right New Zealand secondary tax code and what it costs. Use for: 'what tax code for my second job', 'is secondary tax a rip off', 'why am I taxed so much on my second job', 'what is SH SL', 'do I get that money back', filling in an IR330. CORRECT THE MISCONCEPTION. A secondary code is not a penalty. It approximates the marginal rate the second income attracts on top of the first, so roughly the right amount comes out through the year, and any excess comes back in the year-end square-up. year_end_position says which way it falls for this person, and a …

Work out a New Zealand sick leave entitlement and the balance left. Use for: 'how much sick leave do I get NZ', 'sick leave entitlement', 'when do I get sick leave', 'can I carry over sick leave', 'sick leave balance', 'ten days sick leave'. THREE RULES, AND TWO OF THEM ARE CAPS PEOPLE FORGET UNTIL THEY COLLIDE. ENTITLEMENT STARTS AFTER SIX MONTHS of continuous employment, then ten days on each anniversary. Nothing accrues day by day before that, so an employee at five months has no statutory entitlement at all. This surprises people who assume leave builds u…

Pick the correct New Zealand tax code for an IR330, and explain why. Use for: 'what tax code should I use', 'M or ME tax code', 'secondary tax code NZ', 'SB S SH ST SA which one', 'tax code for second job', 'am I on the wrong tax code'. THE WRONG CODE IS ONE OF THE FEW PAYROLL MISTAKES THAT COSTS MONEY QUIETLY ALL YEAR, and there are two ways to get it wrong. A SECONDARY CODE IS CHOSEN ON TOTAL INCOME ACROSS ALL JOBS, NOT ON WHAT THE SECOND JOB PAYS. Someone earning $60,000 in a main job and $8,000 in a second is SH, not SB. Choosing on the smaller figure und…

Estimate a New Zealand income tax refund, or tax owed, for a year. Use this for ANY question about a NZ tax refund or an end of year tax bill. Common use cases: 'am I owed a tax refund', 'I only worked part of the year, do I get money back', 'I had a second job on an S code, was I overtaxed', 'how much tax should I have paid on 62k'. A refund is what was deducted minus what was actually owed. PAYE comes out of each pay as though that pay continued all year, so the two usual causes of a refund are a part year and a second job on a flat secondary code. Both are …

Work out repayments on a New Zealand car loan, and what it really costs. Use for: 'what would repayments be on a $35,000 car', 'car loan calculator', 'is a 5 year car loan a bad idea', 'how much interest will I pay on car finance'. LEAD WITH interest_share_of_borrowing, NOT THE MONTHLY PAYMENT. Car finance runs at rates a mortgage borrower would not recognise, so over five years the interest often exceeds 30% of what was borrowed. That single figure informs the decision more than the payment does, and it is the one nobody is shown at the dealership. The t…

Add up a timesheet of work hours, and turn them into gross pay. Use for: 'how many hours did I work this week', 'add up my shifts', 'what will I be paid for these hours', 'I worked 22:00 to 06:00, how long is that'. Handles overnight shifts: a finish time at or before the start is treated as the next day, so 22:00 to 06:00 is eight hours rather than a negative. Args: days: One dict per day worked, each with "start" and "finish" as "HH:MM" in 24 hour time, optional "break_minutes" of unpaid break, and an optional "label". Leave days off…

Work out a New Zealand family's Working for Families entitlement. Use for: 'how much Working for Families will I get', 'what is my family tax credit', 'do I qualify for the in-work tax credit', 'how much Best Start will I get', 'will I lose Working for Families if I earn more'. CORRECT A COMMON AND EXPENSIVE MISTAKE. There is NO hours test for the In-Work Tax Credit and has not been one since 1 July 2020. Anyone with some income from paid work each week, who is not on an income-tested benefit or student allowance, qualifies. Many sources, including our own website…