Calculators
Every calculator is free, instant and works without an account. Showing what is live for New Zealand.
19 calculators
Saving
Compound interest
See what regular contributions grow into at any rate over any period, split between what you put in and what the interest added.
Property
DTI headroom
Compare total debt with gross income and see headroom under the DTI threshold. This does not assess affordability or lending approval.
Tax
FIF income
Calculate the FDR opening-value component from opening market value. Excludes comparative value, quick-sale adjustments and exemption checks.
Property
Fixed-term split
Spread a loan across two fixed terms so only part of it reprices at once. Shows the blended rate and what you repay each period.
Tax
GST calculator
Add 15% GST to a figure, or strip it back out of a GST-inclusive total. Shows the GST portion separately so you can copy it straight onto an invoice.
Saving
Historical inflation
See what an amount of New Zealand money is worth in another year, on the official consumers price index, quarterly from 1914.
Investing
Investment return
Calculate the annualised return on any investment over any holding period, so two investments held for different lengths can be compared fairly.
Retirement
KiwiSaver balance projection
Project your KiwiSaver balance to age 65, year by year. Shows what changing your contribution rate does to the end figure.
Retirement
KiwiSaver contributions
One year of employee, employer and government contributions, with ESCT shown separately. See what each party adds.
Property
Mortgage repayments
See what a home loan costs weekly, fortnightly or monthly. Shows total interest over the term and how much of each payment goes to principal.
Property
Offset mortgage
See how much interest and time an offset balance saves on your home loan, when your repayments stay the same.
Borrowing
Personal loan
Work out repayments and total interest on any personal loan, and compare two rates to see what the difference costs over the full term.
Tax
Provisional tax
Work out each instalment under the standard and estimation options, with the three payment dates and what falls due at each one.
Property
Rent vs buy
Compare renting against owning across any number of years, weighing deposit, rates, insurance and maintenance against the rent you would have paid.
Retirement
Retirement income
See what a balance pays out each year and how long it lasts at a drawdown rate you set yourself.
Saving
Savings goal
Work backwards from a target. Enter the amount you need and the date you need it, and see what to put aside each week.
Borrowing
Student loan
See how long until your loan clears at the 12% deduction rate, and what voluntary repayments would take off the total.
Tax
Take-home pay
Enter a salary and see what actually lands in your account. Applies the current income tax bands, the ACC earners' levy, KiwiSaver and student loan repayments, and shows each deduction on its own line.
Saving
Term deposit
Calculate the interest a lump sum earns at a fixed rate over a fixed term.
Saving
Term deposit
Calculate the interest a lump sum earns at a fixed rate over a fixed term, before and after resident withholding tax.
BorrowingNZ soon
Advanced loan
For loans with establishment fees, offset accounts or extra repayments. Shows the true cost once every fee is counted in.
InvestingNZ soon
Currency converter
Convert between currencies at mid-market reference rates, with the rate and the date it was taken shown beside the result.
How to pick the right one
Most people arrive from a search with one number in mind. If you know which one, the category blocks above are the fastest route — every calculator runs as you type, with no submit button and no account.
If you are not sure where to start, start with take-home pay. Almost every other figure in your financial life is a proportion of it, and the other calculators link back to it once you have that number.
Common questions
Are these calculators free?
Yes. Every calculator is free, with no account and no limit on how often you use it. Advertising pays for them.
Which rates do they use?
Each calculator names its source and the effective date directly under the result. New Zealand calculators use the rates published by Inland Revenue, refreshed when that body publishes a change.
Do they work in other countries?
The generic calculators do — enter your own rate and currency. Tax calculators are country-specific, so they are listed per country and marked when a country pack is still in build.
Can I put one on my own site?
Yes. The embed builder gives you a snippet for any calculator. Free embeds keep a small attribution link back here.
Is this financial advice?
No. These are general information tools. Each one shows the formula it used so you can check the working, but none of them account for your circumstances.