NZ Income Calculators

Your Money Blueprint

About this app

NZ Income Calculators brings together a growing suite of practical tools for working New Zealanders who want to know exactly what lands in their hand — and what their income is really worth after tax.

Built around New Zealand's PAYE system: income tax rates, ACC levies, KiwiSaver contributions and student loan repayments — so the numbers match your actual payslip.

TAKE-HOME PAY
See your take-home pay after PAYE, ACC and KiwiSaver across up to five salary scenarios at once, and factor in student loan deductions — including how long until your loan is paid off.

EXTRA & SECONDARY INCOME
Work out what a second job or extra income is really worth once secondary tax and ACC come out, so a pay bump doesn't catch you by surprise.

WORKING FOR YOURSELF
Work out what to charge as a contractor to match an employee salary — or the reverse — so you can compare offers on equal terms.

PLANNING AHEAD
Find the pre-tax income you'd need to hit a target take-home figure, and see how much your income needs to grow just to keep pace with inflation.

UNDERSTANDING YOUR TAX
See how your PAYE tax is allocated across New Zealand government spending — a plain-English look at where your money goes.

WHO IT'S FOR
Anyone earning an income in New Zealand — salary earners checking their take-home, people weighing a second job or a pay rise, and contractors comparing rates against employment.

IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial or tax advice. Results are estimates based on the rates and assumptions used, which can change. For advice specific to your situation, speak with a licensed financial adviser or tax specialist.

Built in New Zealand by a licensed financial adviser.

What’s new

Initial release