Welcome to Kiwi Finance Tools, your home for free NZ financial calculators

Welcome to Kiwi Finance Tools. We provide high-precision, free financial utilities tailored for the New Zealand regulatory environment. While generic global tools often fail to account for local nuances, our suite is built with 2026 IRD tax brackets, RBNZ LVR restrictions, and KiwiSaver contribution logic.

Whether you are calculating PAYE on a new salary, estimating mortgage repayments, projecting your KiwiSaver balance at retirement, or comparing a contracting role against a salaried position, our tools provide instant, actionable data — with no sign-up required.

100% Free Access: No paywalls or email sign-ups.
Up-to-Date: Reflecting the latest New Zealand budget changes and banking practices.
Privacy-First: Your financial data is processed locally in your browser and never stored or transmitted.

🏡 Housing & Mortgage

Weekly Mortgage Repayment Calculator

Instantly estimate your exact weekly outgoings using true weekly amortisation math, not just monthly divided by four.

Open Tool

Extra Payments Calculator

Calculate exactly how much interest you save and how many years you slash off your loan by paying extra.

Calculate Savings

Home Affordability Calculator

Find your maximum purchase price based on current NZ bank stress tests and the RBNZ’s 6x debt-to-income (DTI) threshold.

Check Affordability

💚 Income & Tax

Hourly to Take-Home Pay

Convert your wage into an annual salary and calculate net take-home pay after PAYE, ACC, KiwiSaver, and student loan.

Convert Pay

Contractor vs Employee

Compare your true take-home pay as a contractor versus an employee, factoring in unpaid leave and business expenses.

Compare Roles

NZ Secondary Tax Calculator

Estimate PAYE tax on your second job, side hustle, or extra income using IRD 2026/27 secondary tax codes (ST, STC, CAE, S).

Calculate Tax

Student Loan Repayment

Calculate mandatory IRD deductions for 2026/27 and see how voluntary extra weekly payments accelerate your payoff time.

Calculate Payoff

NZ GST Calculator

Instantly add or remove 15% GST from any amount. Perfect for invoices, receipts, and price calculations with NZ tax rates.

Calculate GST

🌿 Retirement & KiwiSaver

KiwiSaver Projection

Estimate your retirement balance at age 65, factoring in employer match, government contributions, and fund return.

Calculate Nest Egg

Retirement Gap Calculator

Find out exactly how much you need to save to fund your lifestyle alongside NZ Super, using the 4% withdrawal rule.

Calculate Gap

New Zealand Financial & Tax Calculators