| What it does | Free NZ PAYE calculator for take-home pay, tax, ACC levy, KiwiSaver and student loan deductions
| Free mortgage recast calculator and educational guides for homeowners
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| Stage | Not given
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| Founded | Not given
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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
| - Estimates new monthly principal and interest payment after recast
- Calculates monthly payment savings
- Projects estimated payoff date after recast
- Estimates total interest saved from principal reduction
- All calculations run locally in browser with no data transmission
- Educational guides on mortgage recast concepts and strategies
- Comparison of recast versus extra principal payment strategies
- Information on mortgage recast fees and lender conditions
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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)
| - Free tool that keeps all mortgage data private in your browser
- No registration or account required to use the calculator
- Plain-English guides help homeowners prepare questions for their servicer
- Educational focus on practical mortgage decisions with appropriate caution
- Explains differences between recast and refinance options
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 12 ▼ −1 (down) since last check | 1 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 3 |
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| Citation Flow (Majestic) | 13 | 11 |
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| Referring domains (Majestic) | 16 | 1 |
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NZ PAYE Calculator 2026/27