Contractor Tax to set-aside
Put aside a practical allowance for income tax and GST as a self-employed contractor.
Use this calculatorRATE · New Zealand · 2026–27
Charge-out rate calculator for NZ trades
Turn the annual cost base, realistic billable time and target margin into a break-even rate and a sustainable charge-out rate.
Live planning estimate
Add the figures you know.
The result updates immediately. No contact details are required and nothing is submitted to KGA.
General information only, not tax or financial advice. Settings checked 13 August 2026. Your circumstances, tax code, filing dates or ACC cover can change the result.
Put the result in context
Are the jobs producing the margin you expect?
Book a pricing and profitability review with KGA to compare the target with real jobs, rework, travel, material costs and cashflow.
Book a profitability review Call 09 425 8536Complimentary initial business review · Warkworth or Zoom
Before relying on the estimate
Questions this calculator cannot decide alone.
Should I enter every hour worked as billable?+
No. Exclude quoting, travel, administration, leave, rework and other time that cannot be invoiced.
Are materials included in the hourly rate?+
Not automatically. Materials, subcontractors and job-specific costs may still need to be added to individual quotes.
Why use a margin instead of adding a markup?+
A target net margin is measured against revenue. Dividing the cost base by one minus the margin gives the revenue needed to retain that share after the entered costs.