ACC levy
Estimate self-employed CoverPlus levies using income and the Work rate for your industry.
Use this calculatorSET · New Zealand · 2026–27
NZ contractor tax set-aside calculator
Estimate an annual reserve and a simple amount to hold from every $100 received, using your revenue, expenses and tax already withheld.
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
Starting or growing as a contractor?
KGA can help set up separate tax accounts, choose a payment rhythm and check that GST and schedular deductions are working together.
Set up my tax rhythm Call 09 425 8536Complimentary initial business review · Warkworth or Zoom
Before relying on the estimate
Questions this calculator cannot decide alone.
Who is this estimate designed for?+
An individual sole trader with no other taxable income. Companies, partnerships and shareholder-employees need a different calculation.
How does the GST estimate work?+
It assumes the figures entered are GST-exclusive and that expenses are standard-rated and fully claimable. Mixed-use and non-claimable expenses change the result.
What if tax is already deducted from my invoices?+
Enter the income tax already withheld. The estimate reduces the income-tax reserve, but a tailored schedular rate may still need review.