| What it does | Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
| Free FIRE financial planner with Monte Carlo simulation and historical backtesting
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| Stage | Not given
| Established
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| Founded | Not given
| 2019
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| Based in | NZ
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| Pricing model | Free
| Free
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| Pricing | Not given
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| Key features | - 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
| - Monte Carlo simulation with up to 5,000 runs
- Historical backtesting against every market period since 1872
- US federal, state and payroll tax calculations for all 50 states
- Roth conversion ladder and RMD planning
- Six stress tests including market crash and job loss
- Three withdrawal strategies with 59.5 rule enforcement
- Support for 9 asset types with individual growth rates
- Month-by-month income and expense modeling with custom timelines
- Life event planning
- 9-currency support with auto-detection
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| What makes it different | - 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)
| - Runs entirely in your browser with no account needed or data stored on servers
- Tests retirement against 154 years of historical market data since 1872
- Calculates exact tax liability for all 50 US states plus federal and payroll taxes
- Completely private with no data collection, selling or sharing
- Works offline on Android with full planner functionality
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 13 ● no change since last check | 12 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 4 |
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| Citation Flow (Majestic) | 13 | 34 |
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| Referring domains (Majestic) | 16 | 127 |
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NZ PAYE Calculator 2026/27
firenum™