NZ Investing Calculators

Your Money Blueprint

About this app

NZ Investing Calculators brings together a growing suite of practical tools for New Zealand investors who want to understand their money more clearly — before making decisions with an adviser or on their own.

Every calculator reflects New Zealand's tax and investment rules: PIE funds and PIR rates, the FIF regime, and the fee structures used by local providers — not generic overseas models.

FEES
Compare up to five funds side by side and watch how small fee differences compound over decades. Work out your true blended fee rate and total annual cost across a portfolio, and see the long-term drag fees put on your balance.

RETURNS
Calculate your real annualised return from any pattern of contributions and withdrawals using the Modified Dietz method. See when investment growth overtakes your own contributions, compare the effect of return rates from 2% to 12%, and weigh chasing higher returns against simply saving more.

TAX
Compare after-tax outcomes across PIE, listed PIE and non-PIE investments, including fees. Find your Prescribed Investor Rate in three quick questions. Work through Foreign Investment Fund tax under both the Fair Dividend Rate and Comparative Value methods — for one-off holdings or regular investing with sale adjustments — and check whether your overseas shares cross the $50,000 FIF threshold.

PORTFOLIO
See how your wealth splits across cash, shares, property and more, work out exactly what to buy or sell to hit your target allocation, stress-test your downside exposure by asset class, and calculate the portfolio size needed to live on dividend income.

CURRENCY
Convert foreign amounts to NZD, and split your overseas returns into underlying investment performance versus currency movement.

PROVIDER TOOLS
Compare the annual cost of investing across popular New Zealand share and ETF platforms, and use plan-specific calculators to find which pricing tier suits how you actually invest.

WHO IT'S FOR
Anyone investing in New Zealand — comparing KiwiSaver or managed funds, weighing funds against direct shares, or getting to grips with the real impact of fees, tax and currency on returns.

IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial advice or recommendations. Results depend on the assumptions you enter and are estimates only. For advice specific to your situation, speak with a licensed financial adviser.

Built in New Zealand by a licensed financial adviser.

What’s new

Initial release