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Explore tools designed around New Zealand’s financial system, including income tax, KiwiSaver contributions, savings and long-term financial planning.
Use the tools below to estimate taxes, KiwiSaver contributions and other important parts of your finances in New Zealand.
Tax system
The amount you keep can depend on several parts of the New Zealand tax and payroll system.
Income tax is calculated using the tax brackets and rates that apply to your taxable income.
Certain employment income may be subject to a levy that helps fund the Accident Compensation Corporation scheme.
Goods and Services Tax applies to many goods and services, although it is generally not part of a direct take-home pay calculation.
Retirement savings
KiwiSaver is a widely used long-term savings scheme in New Zealand. Contributions may come from the employee, employer and, where eligible, certain government contributions.
Personal contributions are generally calculated as a percentage of eligible pay.
Your employer may be required to make a minimum contribution depending on the applicable rules and your circumstances.
Investment returns, fees, contribution levels and the investment horizon can significantly affect the future balance.
Choose the calculator that matches your goal, enter your financial information and review the estimated results.
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Select the tool that matches the tax, KiwiSaver or planning question you want to explore.
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Provide the amounts and assumptions required for the calculation.
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Use the estimate to better understand your situation and compare different scenarios.
Results are general estimates based on the information entered and the rules modeled by Frontiers Finance. Always verify official amounts and applicable rules with the appropriate New Zealand authorities.
