| What it does | Free mortgage modeling and affordability tools for homebuyers, homeowners, and investors
| Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
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| Stage | Not given
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| Founded | Not given
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| Based in | US
| NZ
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| Pricing model | Free
| Free
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| Pricing | Not given
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| Key features | - Full amortization schedules with principal, interest, equity, and balance tracking month-by-month
- Adjustable-rate mortgage (ARM) analysis and modeling
- Extra payment impact analysis and calculation
- PMI calculation and removal timing
- Refinance and cash-out refinance scenario modeling
- Real-time results updating with any parameter change
- Affordability calculator with conservative, traditional, and maximum estimates
- Scenario comparison side-by-side
- Portfolio analysis for multiple properties
- CSV export functionality
| - 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 | - Real-time results updating as you change any loan parameter
- No signup required to start using the calculator
- Embeddable widgets for banks, credit unions, and mortgage teams
- Available as Android app for on-the-go mortgage planning
| - 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) | Not checked yet ● no change since last check | 13 ● no change since last check |
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| Trust Flow (Majestic) | 0 | 6 |
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| Citation Flow (Majestic) | 0 | 13 |
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| Referring domains (Majestic) | 0 | 16 |
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NZ PAYE Calculator 2026/27