| What it does | Know exactly what home you can afford
| 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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| 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 | - Debt-to-income ratio front and center
- Three affordability zones: green, amber, and red
- Buy, buy versus rent, and rent scenarios
- Real loan programs: Conventional, FHA, VA, USDA
- Live simulations with interactive charts
- State property-tax rates by county
- Export charts as PNG
- Pin and compare scenarios side-by-side
- No sign-up or account required
- All calculations run in browser with no data sent
| - 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 | - Debt-to-income ratio as the core framework
- One tool for all three decisions: buy, buy-vs-rent, or rent
- Browser-based with complete privacy and no account needed
- Full PITI and real loan program rules built in
- See the full affordability range, not just one pre-approval number
| - 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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PlotYourHome
NZ PAYE Calculator 2026/27