NZ Money Toolkit

Your Money Blueprint

About this app

NZ Money Toolkit is a growing collection of practical calculators for the everyday money decisions New Zealanders face — all in one place, built around New Zealand's rates, rules and prices.

BILLS & EVERYDAY SPENDING
Compare power plans on your own usage (including solar buyback and sign-up credits), add or remove GST, work out the real cost of a personal or car loan, and turn irregular bills like rates, insurance and Christmas into a manageable per-pay amount.

TAX & ENTITLEMENTS
Find the right tax code for your situation, estimate your Paid Parental Leave, check your FamilyBoost childcare entitlement, and compare student loan repayments at home versus overseas.

SAVING & COMPARING
Compare term deposits and PIEs after tax — including the RWT versus PIR difference for your income — see how your net worth compares to the rest of New Zealand, and count down to any savings goal.

CARS & TRAVEL
Work out the true long-term cost of owning a car (or compare two), decide whether to buy or lease, calculate Road User Charges for a diesel, EV or PHEV, and split the fuel or charging cost of any trip between passengers.

INSURANCE & PROTECTION
Work out how much life cover you actually need, how much income to protect, and whether it's smarter to pay premiums or self-insure and invest the difference.

BIG DECISIONS
See whether university pays off versus heading straight to work, and find your true net hourly rate once work costs and childcare are taken into account.

INFLATION & PERCENTAGES
Track how inflation erodes your purchasing power, work out your personal inflation rate based on how you actually spend, and handle any everyday percentage calculation.

WHO IT'S FOR
Every New Zealander making everyday money decisions — from comparing power plans and term deposits to weighing up insurance, a car, or going back to work.

IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial, tax or insurance 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.