Free New Zealand Financial Calculators
Know your numbers.
Make better decisions.
Accurate, up-to-date calculators for tax, mortgages, financial ratios and more. Built for New Zealanders, free to use.
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PAYE Calculator
Take-home pay with 2026/27 rates — PAYE, ACC levy, KiwiSaver, student loan and IETC. Weekly, fortnightly or monthly.
2026/27 Rates →
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Mortgage Calculator
Model NZ split mortgages — multiple fixed-term sub-loans, extra repayments, and side-by-side scenario comparison.
Split Loans · Multi-scenario →
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Financial Ratio Calculator
23 ratios across profitability, return, efficiency, solvency, liquidity and DuPont analysis. Select only what you need.
23 Ratios →
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KiwiSaver Projector
Project your retirement balance with 2026/27 rates, employer and government contributions, and fund type comparison.
2026/27 Rates →
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Rental Yield Calculator
Gross and net yield, cash-on-cash return and interest-only vs P&I comparison for investment property.
Yield & Cash Flow →
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DTI Calculator
Debt-to-income ratio vs RBNZ lending limits (6x owner-occupier / 7x investor) and borrowing capacity.
RBNZ Limits →
Always current
PAYE brackets, ACC levy (1.75%), and KiwiSaver minimum (3.5%) all updated for 2026/27 tax year.
Built for planning
Run scenarios, compare outcomes side by side. Not just a lookup table — built to support real decisions.
Accurate by design
Edge cases handled correctly — ACC caps, IETC abatement, amortisation vs fixed term, DuPont pyramid, derived tax fields.
All calculators are for educational and planning purposes only and do not constitute financial or tax advice. Consult a qualified adviser for decisions specific to your situation.