MedDebt Calculator vs NZ PAYE Calculator 2026/27

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

MedDebt Calculator compared with NZ PAYE Calculator 2026/27
Detail	MedDebt Calculator	NZ PAYE Calculator 2026/27
What it does	Free debt-planning simulator for medical students, residents, and physicians comparing PSLF, refinancing, and aggressive payoff strategies	Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	NZ
Pricing model	Freemium	Free
Pricing	Free tier: full calculator, all 21 specialty presets, strategy comparison, 3 saved scenarios, 15 AI Co-Pilot questions per day. Pro: $29/month or $199/year (save $150 annually)—adds PSLF payment tracker with reminders, refinancing window alerts, policy change alerts, unlimited scenarios, unlimited A	Not given
Key features	PSLF vs refinance vs aggressive payoff comparison 21 specialty presets with salary and residency data Real-time chart updates as inputs change PSLF payment tracker (120 qualifying payments) Expert mode for spouse modeling and job change scenarios Disability coverage gap calculator link (MedDisabilityCalc)	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
What makes it different	All data remains on your device; nothing is stored, tracked, or sold Every number traces to published sources (AAMC, Marit Health, studentaid.gov) Built by physicians' advocates with no affiliation to lenders or loan servicers	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)
Community votes	0	0
DR (Domain Rating by Ahrefs)	3 no change since last check	13 no change since last check
Trust Flow (Majestic)	1	6
Citation Flow (Majestic)	26	13
Referring domains (Majestic)	22	16

4 details filled in for both companies.

More alternatives to MedDebt Calculator More alternatives to NZ PAYE Calculator 2026/27