| What it does | Free Coast FIRE calculator to estimate your retirement savings milestone
| Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
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| Stage | Startup
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| Founded | 2026
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| Based in | Not given
| NZ
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| Pricing model | Free
| Free
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| Pricing | Not given
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| Key features | - Calculate invested assets needed today for Coast FIRE milestone
- Interactive calculator with real-time updates as you edit inputs
- Compare multiple contribution scenarios with projected retirement assets
- Explore return assumptions with sensitivity analysis
- Five related FIRE calculators: Coast, Barista, Fat, Lean, and FIRE Number
- Customize metro area budget or enter your own annual spending
- Transparent formulas and documented verification checks
- All calculations performed in browser with no data uploads
| - Progressive tax bracket calculation (10.5% to 39%)
- ACC earner's levy deduction at 1.75%
- KiwiSaver contribution rates from 3.5% to 10%
- Student loan repayment calculations above $24,128 threshold
- Independent Earner Tax Credit for eligible incomes
- Multiple pay frequency options (annual, monthly, fortnightly, weekly)
- Detailed tax breakdown showing marginal and effective tax rates
- No signup required
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| What makes it different | - Free with no account required and calculations run entirely in your browser
- Transparent assumptions with linked original research and sources
- Deterministic scenarios and educational model focused on inspection and understanding
- Multiple complementary calculators for different retirement planning questions
- Public correction process and documented model updates
| - Uses only official Inland Revenue rates and thresholds, updated regularly
- Completely free with no account or data collection required
- Instant calculations for all common salary situations
- Comprehensive deductions in one place (tax, ACC, KiwiSaver, student loans)
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 6 ▼ −1 (down) since last check | 13 ● no change since last check |
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| Trust Flow (Majestic) | 10 | 6 |
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| Citation Flow (Majestic) | 20 | 13 |
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| Referring domains (Majestic) | 12 | 16 |
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Freedom Calcs
NZ PAYE Calculator 2026/27