Take-home pay
See what a salary could mean after PAYE, ACC, KiwiSaver and student-loan deductions.
Use this calculatorFree KGA tools · 2026–27
Put a useful number around the next decision.
Six practical New Zealand calculators for pay, tax, property and the cost of doing business. Get the estimate first, then bring the result to KGA when the details matter.
Choose the question
Start with the number you need.
No sign-up and no email gate. Your estimate appears as you enter the figures.
Provisional tax
Compare common provisional-tax methods and see the standard payment dates.
Use this calculatorContractor Tax to set-aside
Put aside a practical allowance for income tax and GST as a self-employed contractor.
Use this calculatorBright-line check
Check whether a residential property sale may fall inside the current two-year bright-line period.
Use this calculatorACC levy
Estimate self-employed CoverPlus levies using income and the Work rate for your industry.
Use this calculatorCharge-out rate
Build an hourly rate that recovers wages, overheads, non-billable time and profit.
Use this calculatorThe estimate is the start
Now make the number useful.
KGA can connect the result to your accounts, cashflow and the decision in front of you.