Kiwi Calculator: NZ Money

Kiwi Calculator does the money maths New Zealanders do every week, in one simple, beautifully designed app. Updated for the 2026/27 tax year.

TAKE-HOME PAY See what actually lands in your account each week, fortnight, month or year. Includes PAYE, the ACC earners' levy, KiwiSaver, student loan and the independent earner tax credit (IETC). Works from a salary or an hourly rate.

MORTGAGE Weekly, fortnightly or monthly repayments, the total interest, and a chart of your balance over time. See how much time and interest paying a little extra saves.

GST Add or remove 15% GST in one tap. The number pad stays on screen and the answer copies straight to your clipboard. Made for sole traders, tradies and anyone checking an invoice.

LOANS AND HIRE PURCHASE Car finance, personal loans and HP. Add your deposit, establishment fee and account fees to see the real cost of borrowing and the interest rate including fees.

KIWISAVER What your KiwiSaver could grow to by 65, in today's dollars or future dollars. Includes your contributions, your employer's 3.5% after ESCT and the government contribution, plus what you could withdraw for your first home.

EASY TO USE • A number pad built for money, with a 000 key • Answers update as you type • Your last numbers are remembered • Dark mode and larger text

FREE AND PRIVATE No ads, no accounts, no tracking. Everything stays on your phone.

Kiwi Calculator gives general estimates to help you plan. It isn't financial advice. Rates come from Inland Revenue, ACC and the KiwiSaver rules for the 2026/27 tax year.

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