Your financial journey,clarified.
New Zealand tax calculator for take-home pay, plus tools for KiwiSaver, borrowing and mortgages.
Before tax and deductions.
12% of income over $24,128 a year.
Take-home per year
$59,523
from $80,000 gross · 74.4% kept
Where $80,000 goes in a year
- Take-home
- $59,52374.4%
- Income tax
- $16,27820.3%
- ACC levy
- $1,4001.8%
- KiwiSaver (3.5%)
- $2,8003.5%
What do you want to work out?
Four calculators that share one path — from your pay to your first mortgage.
- Tax calculatorPAYE take-home pay from income tax, ACC, KiwiSaver and student loan.$62,610a year on $85,000
- First-home depositWithdrawable KiwiSaver and the gap to your deposit.$45,000KiwiSaver toward a 10% deposit
- Borrowing rangeAn indicative range from DTI and serviceability limits.$560k–$630kon $110,000 household income
- Mortgage repaymentsRepayment, interest and amortisation over the term.$3,407a month on $600k at 5.5%
Every number traces to an official source.
Rates and thresholds come from published government rules — each shown with its source and the date it was last checked.
Rules last verified 24 July 2026. MethodologyReference data
Prefer to understand it first?
Original guides on pay, deposits, borrowing and mortgages — then jump into the matching calculator.
- IncomeHow PAYE works in New ZealandProgressive brackets, the ACC levy, KiwiSaver and the IETC — and how they stack.Read guide
- DepositUsing KiwiSaver for your first homeWhat you can withdraw, the $1,000 you must leave behind, and the three-year rule.Read guide
- BorrowingDTI and LVR explainedThe two Reserve Bank rules that decide how much a bank will lend you.Read guide
- BorrowingFrom payslip to home loanThe order to run take-home, deposit, borrowing and repayments before you shop listings.Read guide
- DepositFirst Home Loan explainedThe 5% deposit pathway, income caps, and how it differs from the closed grant.Read guide
- MortgageFixed vs floating ratesCertainty, break costs and flexibility — how to choose without calling the OCR.Read guide
Built for one question: where do I actually stand?
Most New Zealanders meet these rules one at a time and out of order — a tax bracket in a payslip, a deposit threshold in a bank meeting, a debt-to-income cap mentioned by a broker and never explained. Each is simple on its own. Together they decide what you earn, what you can save and what you can buy, and almost nothing sets them out in one place.
FinLab is that one place. Four calculators cover the sequence end to end: what lands in your account after PAYE, the ACC levy, KiwiSaver and a student loan; how much of your KiwiSaver you can actually withdraw for a first home and what the gap to your deposit looks like; the range a bank is likely to lend against the Reserve Bank’s limits; and what the resulting mortgage costs each month and over thirty years.
They share one set of rules. Rates and thresholds live in versioned files with their source and effective date attached, and every calculator, guide and reference table reads from those same files — so a figure quoted in an explanation is the figure the tool used. When a rate changes, it changes everywhere at once.
The maths runs entirely in your browser. Nothing you type is sent anywhere, stored, or attached to an account, because there are no accounts. That also means these are estimates, not assessments: a lender applies its own servicing tests and a payslip reflects deductions a model never sees. The numbers are here to show you how the rules work and roughly where you stand — a starting point for the conversation, not a substitute for advice from someone licensed to give it.