New Zealand financial calculators 2026/27
Free New Zealand financial calculators for the 2026/27 tax year: PAYE and take-home pay, mortgage repayments, KiwiSaver, GST, income tax and student loan repayments. Every rate and threshold comes from Inland Revenue or the Reserve Bank, and the PAYE maths matches IRD's own deduction tables to the cent.
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PAYE calculator
PopularTake-home pay per week, fortnight or month after PAYE, ACC earners' levy, KiwiSaver and student loan. Tax codes M, ME and SL.
Open calculator →Mortgage calculator
PopularWeekly, fortnightly and monthly repayments, your LVR and deposit, and what you still owe when your fixed term ends.
Open calculator →KiwiSaver calculator
New ratesYour contributions at 3.5%, your employer's after ESCT, the government top-up and your balance at 65.
Open calculator →Income tax calculator
Tax by band for 2026/27, the independent earner tax credit, ACC levy and your effective and marginal rates.
Open calculator →GST calculator
Add 15% GST to a price or take it out of a GST-inclusive amount with the 3/23 fraction.
Open calculator →Student loan repayment calculator
12% of pay over the $24,128 threshold, per pay and per year, and how long until the loan is gone.
Open calculator →What these calculators cover
The PAYE and income tax calculators use the five income tax bands, the ACC earners' levy with its $156,641 cap, and the independent earner tax credit. The KiwiSaver calculator applies the 3.5% rates from 1 April 2026, ESCT on employer contributions, and the government contribution of 25 cents per dollar up to $260.72. The mortgage calculator checks your deposit against the Reserve Bank's limits: 80% LVR for owner-occupiers and 70% for investors.
NZ tax and money glossary
Fifteen terms explained with worked examples: PAYE, tax code M, secondary tax, ACC earners' levy, KiwiSaver, ESCT, GST, LVR, low-equity margins, break fees and more.
Open the glossary →The 2026/27 tax year, which runs from 1 April 2026 to 31 March 2027. Figures come from Inland Revenue's PAYE tables and payroll specification for that year, and from the Reserve Bank for LVR settings.
On tax code M with KiwiSaver at 3.5% and no student loan, $1,917.98 per fortnight. The PAYE calculator shows the full breakdown for any salary.
KiwiSaver's default and employer rates rose to 3.5% from 1 April 2026. The ACC earners' levy rose from 1.67% to 1.75%, on earnings up to $156,641 (was $152,790). Income tax bands and the student loan threshold are unchanged from 2025/26.