Calculate Your Take-Home Pay
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Free, accurate tax calculators for the NZNew Zealand. Know exactly what you earn after tax, NI, pension, and student loan deductions.
General
Calculate your salary, KiwiSaver, ACC levy, student loan, and more after PAYE deductions.
ACC Levy Calculator
Calculate your ACC earner and employer levy contributions for the current tax year.
Bonus Tax Calculator
Calculate PAYE tax on your bonus using IRD secondary income or lump-sum rates.
Hourly Rate Calculator
Convert between hourly, daily, weekly, fortnightly, and annual pay rates in NZD.
IETC Calculator
Calculate your Independent Earner Tax Credit entitlement from IRD.
KiwiSaver Calculator
Calculate your KiwiSaver contributions, employer match, and government contribution.
Mileage Logbook Calculator
Track and calculate IRD-compliant vehicle mileage deductions for work travel.
Overtime Calculator
Calculate overtime pay at time-and-a-half and double-time rates under NZ employment law.
Parental Leave Pay Calculator
Estimate your government-funded parental leave payments and entitlement period.
Payroll Calculator
Calculate multi-employee payroll with PAYE, KiwiSaver, and ACC levy deductions.
Reverse Tax Calculator
Work backwards from your desired net salary to find the gross income needed after PAYE.
Salary Calculator
Calculate your NZ take-home pay after PAYE, ACC levy, KiwiSaver, and student loan.
Salary Comparison
Compare two NZ salary packages side-by-side to see the real after-tax difference.
Showing 1–12 of 20 calculators
Company tax, GST, employer costs, payroll, and tools to optimise your NZ business finances.
Break Even Calculator
Find your break-even point based on fixed costs, price per unit, and variable costs.
Cash Flow Forecast
Forecast your monthly cash inflows and outflows for the next 12 months.
Cost of Goods Sold Calculator
Calculate COGS to determine gross profit for your NZ business.
Company Tax Calculator
Calculate NZ company income tax at the 28% corporate rate filed with IRD.
Dividend Tax Calculator
Calculate resident withholding tax (RWT) on dividends and imputation credits.
Employer Cost Calculator
Calculate total employer cost including salary, KiwiSaver contributions, and ACC levies.
GST Calculator
Add or remove NZ 15% GST. Calculate inclusive and exclusive amounts instantly.
GST Registration Threshold
Check if your turnover exceeds the $60,000 mandatory GST registration threshold.
Markup vs Margin Calculator
Understand the difference between markup and margin and convert between them.
Profit Margin Calculator
Calculate gross profit margin and markup from revenue and costs.
Sole Trader vs Company
Compare tax outcomes between operating as a sole trader or NZ limited company.
Time Card Calculator
Track employee hours, breaks, and calculate weekly pay from time card entries.
Showing 1–12 of 12 calculators
Specialist calculators for contractors, landlords, expats, and property investors in New Zealand.
Contractor Calculator
Calculate your net income as a NZ contractor after PAYE and ACC levies.
Crypto Tax Calculator
Calculate tax on cryptocurrency gains under IRD guidelines for NZ residents.
Day Rate Calculator
Convert your annual income target into a daily and hourly contracting rate.
Expat Tax Calculator
Compare your NZ take-home pay with what you would earn in other countries.
Showing 1–4 of 4 calculators
Sole trader tax, provisional tax, GST filing, and tools built for NZ self-employed workers.
Freelancer Rate Calculator
Calculate your ideal hourly or daily rate factoring in ACC and tax obligations.
Invoice Calculator
Generate invoice totals with NZ 15% GST automatically calculated.
Profit Projection Calculator
Project your 12-month revenue, expenses, and cumulative profit with growth rates.
Provisional Tax Calculator
Calculate your IRD provisional tax payments using standard, estimation, or AIM methods.
Self-Employed Tax Calculator
Calculate your total tax liability as a self-employed individual with IRD.
Side Hustle Tax Calculator
Calculate tax on your side income and whether you need to file a return with IRD.
Sole Trader Tax Calculator
Calculate income tax, ACC levies, and GST for NZ sole traders.
Trading Income Calculator
Calculate tax on trading income from shares, property, or other assets.
Showing 1–8 of 8 calculators
NZ Super, Working for Families, Accommodation Supplement, and Jobseeker Support calculators.
Accommodation Supplement Calculator
Estimate your Work and Income accommodation supplement entitlement.
Jobseeker Support Calculator
Estimate your Jobseeker Support benefit from Work and Income New Zealand.
NZ Super Calculator
Estimate your NZ Superannuation payments based on living situation and income.
Working for Families Calculator
Calculate your Working for Families tax credit entitlement from IRD.
KiwiSaver Retirement Calculator
Project your KiwiSaver balance at retirement and estimate your monthly income.
Showing 1–5 of 5 calculators
Calculate customs duty, GST, and total landed cost for goods imported into New Zealand.
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Showing 1–0 of 0 calculators
Mortgage, landlord rental tax, property portfolio, and real estate investment tools for NZ property owners.
Landlord Rental Tax Calculator
Calculate tax on rental income including deductible expenses for NZ landlords.
Property Portfolio Calculator
Analyse returns across your NZ property portfolio including rental yield and tax.
Mortgage Calculator
Calculate New Zealand mortgage payments with floating and fixed rate options.
Home Affordability Calculator
Find out how much property you can afford based on your income and NZ lending rules.
Property ROI Calculator
Calculate total return on investment for New Zealand rental properties with capital growth.
Loan Repayment Calculator
Calculate monthly payments, total interest, and repayment schedules for NZ loans.
Rental Yield Calculator
Calculate gross and net rental yield on New Zealand investment properties.
Property Capital Gains Tax
Calculate the bright-line test and tax on property sold within the holding period.
Refinance Calculator
Compare current vs new mortgage rates, fees, and break-even timeline.
Showing 1–9 of 9 calculators
Every Calculator You Need — All in One Place
Whether you're an employee checking your payslip, a contractor weighing up IR35, or a business owner planning your next hire — our suite of free, HMRC-aligned tools gives you the numbers that matter in seconds.
Take-Home Pay
Enter your annual or monthly gross salary and instantly see your net pay after income tax, National Insurance, pension contributions, and student loan deductions.
Hourly Rate Converter
Paid by the hour? Convert any hourly wage into an annual salary — or go the other way — and see your real earnings after all deductions are applied.
Reverse Tax
Know the net amount you want to take home? Work backwards to find exactly what gross salary you need to ask for — perfect for negotiating a new role.
Student Loan Repayment
See exactly how Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate loan repayments reduce your monthly pay, and when you can expect to clear the balance.
Pension Projections
Model your retirement pot based on your current contributions, employer match, tax relief, and expected growth — so you can plan ahead with confidence.
Dividend vs Salary
Running a limited company? Compare the tax efficiency of paying yourself through salary, dividends, or a combination to keep more of what you earn.
Corporation Tax
Calculate your company's tax bill instantly, including the marginal relief band for profits between £50k and £250k — no accountant needed for a quick estimate.
Employer Cost
Hiring staff? See the true cost beyond the salary — employer NI, auto-enrolment pension, apprenticeship levy, and benefits all factored in at a glance.
Contractor IR35
Compare your take-home pay inside versus outside IR35 to understand exactly what the off-payroll rules mean for your contracting income.
Self-Employed Tax
Calculate your income tax, Class 2 and Class 4 National Insurance, and payments on account as a sole trader — all in one place.
Landlord Tax
Work out the tax on your rental income after mortgage interest relief, allowable expenses, and the property income allowance are taken into account.
CIS Deductions
In the construction industry? Calculate your net payment after CIS deductions at 20% or 30%, and see what you'll actually receive from contractors.
Why Trust Our Informations and Calculators?
Built by professionals, trusted by thousands, and updated to the latest tax year.
HMRC-Aligned
All calculations follow the latest HMRC tax rules and thresholds for accuracy you can trust.
Instant Results
Get your take-home pay breakdown in milliseconds — no sign-up, no waiting, no hidden fees.
Updated for 2026/27
Tax bands, NI rates, and allowances are updated every April to reflect the latest tax year.
Backed by Unique Evolution
Built by Unique Evolution Limited — delivering professional-grade financial tools you can rely on.
Latest Tax Insights
Plain-English articles about tax changes and practical tips to help you keep more of what you earn.
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