Calk NZ — NZ Calculators

DISCLAIMER: This app is NOT affiliated with, endorsed by, or associated with the New Zealand government, Inland Revenue (IRD), ACC, or any other government agency. Calk NZ is an independent, privately developed calculator tool. All calculations are estimates for general information purposes only and should not be relied upon as professional financial, tax, or legal advice. Always consult a qualified tax professional for advice specific to your circumstances.

Calk NZ is a free calculator app with 103 tools built for New Zealand.

WHAT YOU CAN CALCULATE

Tax & PAYE
- Income tax with all 5 NZ tax brackets (10.5% to 39%)
- PAYE deductions including ACC earner's levy
- Secondary tax codes for second jobs
- GST — add or remove 15% instantly
- Provisional tax (standard, estimation, ratio methods)
- Tax return estimator

Pay & Salary
- Take-home pay after all deductions
- Minimum wage ($23.95/hr from 1 April 2026)
- Hourly to annual salary conversion
- Overtime and holiday pay

KiwiSaver
- Projected balance at age 65
- Employer contribution after ESCT
- Government contribution (up to $521.43/year)
- KiwiSaver vs term deposit comparison
- First home withdrawal eligibility

Mortgage & Property
- Mortgage repayments (weekly, fortnightly, monthly)
- Borrowing power estimator
- LVR calculator with RBNZ rules
- Rent vs buy comparison
- Rental yield calculator

Loans & Debt
- Car loan, personal loan, credit card payoff
- Debt consolidation savings

Business
- GST return, sole trader tax, company tax (28%)
- Employee cost, invoicing, FBT, depreciation

Plus: BMI, calorie, building costs, farming tools, immigration points, student allowance, NCEA rank score, and more.

WHY CALK NZ?

- 100% free with no hidden features
- Works offline — all calculations run on your device
- Your financial data never leaves your phone
- Available in English and te reo Maori
- Dark mode support

DATA SOURCES

Tax rates and financial data used in this app are sourced from publicly available information published by the following New Zealand government agencies:

1. Inland Revenue (IRD) — income tax rates, PAYE tables, KiwiSaver rules, student loan thresholds
Source: https://www.ird.govt.nz/income-tax/income-tax-for-individuals/tax-codes-and-tax-rates-for-individuals

2. Accident Compensation Corporation (ACC) — earner's levy rates
Source: https://www.acc.co.nz/about-us/our-levies/levy-rates/

3. Ministry of Business, Innovation and Employment (MBIE) — minimum wage rates, employment standards
Source: https://www.employment.govt.nz/hours-and-wages/pay/minimum-wage/minimum-wage-rates/

4. Stats NZ — Consumer Price Index (CPI) and inflation data
Source: https://www.stats.govt.nz/topics/prices/

This app is independently developed. It is not a government service.

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