Your financial journey,clarified.
New Zealand calculators for income, mortgages and first-home planning.
$
Before tax and deductions.
Paid per
KiwiSaver (employee)
Student loan
12% of income over $24,128 a year.
Take-home per year
$59,523
from $80,000 gross · 74.4% kept
Show per
74.4%of every dollar you earn stays yours.
$2,800your employer adds to KiwiSaver, every year.
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.
- Take-home payIncome tax, ACC, KiwiSaver and student loan — for any salary.$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?
Plain-English guides to the rules behind the numbers.
- 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