Free Online Tools for New Zealand: PAYE, KiwiSaver and ACC Calculator
Tax, KiwiSaver and money tools built for IRD rates. Free, private and no sign-up.
Last updated: June 2026
New Zealand tax & KiwiSaver
NZ Income Tax Calculator
๐ณ๐ฟ NZPAYE, ACC levy, KiwiSaver and student loan take-home pay, IRD 2025-26.
OpenKiwiSaver Calculator
๐ณ๐ฟ NZProject your KiwiSaver balance at retirement with employer and government contributions.
OpenRetirement Calculator
Corpus needed and monthly savings, inflation adjusted.
OpenMoney & savings
New Zealand pay comes with PAYE bands, the ACC earners' levy, KiwiSaver contributions and, for many, a student loan repayment. The tools on this page are built for those specifics, so your take-home figure and KiwiSaver projection match the IRD 2025-26 rules rather than a rough global estimate.
Start with the NZ income tax calculator. It applies the current PAYE bands, adds the ACC levy, and lets you include your KiwiSaver rate and student loan so the take-home figure is the one that actually reaches your account. The KiwiSaver calculator then projects your balance at retirement, including your employer's share and the government member tax credit.
For the bigger picture, the retirement calculator, budget calculator and mortgage calculator help you set targets, plan spending and work out home repayments. Read the New Zealand income tax guide if you want the rules explained in plain English first.
Job hunting or sorting paperwork? The CV builder makes a clean, ATS-friendly CV with no watermark, and the PDF tools cover the documents that come with it. Every tool is free, mobile-friendly and private. IRD rates and KiwiSaver settings change, so treat the results as planning estimates and confirm anything important with Inland Revenue or an adviser.
Guides for New Zealand
FAQ
Frequently asked questions
Do these tools use IRD 2025-26 rates?
Yes. The NZ income tax calculator uses the IRD 2025-26 PAYE bands, adds the ACC earners' levy, and can include your KiwiSaver contribution and student loan repayment to give take-home pay per year and per pay period. It all runs in your browser.
How does the KiwiSaver calculator work?
It projects your KiwiSaver balance at retirement, combining your contributions, your employer's contribution and the government member tax credit, with a growth rate you choose. It is a planning estimate to show how contributions build over time, not personal financial advice.
Does the income tax calculator include the ACC levy?
Yes. It separates PAYE, the ACC earners' levy, your KiwiSaver contribution and any student loan repayment, then shows your net take-home pay, so the figure reflects what actually lands in your account.
Can I build a New Zealand CV here?
Yes. The CV builder creates a clean, ATS-friendly CV you can download as a PDF or Word file with no watermark and no account, which works well for New Zealand job applications.
Are the tools free with no account?
Yes, every tool is free with no sign-up and no daily limit. Your income and KiwiSaver figures stay on your device because the calculators run entirely in your browser.