The real cost of life’s biggest decisions
Free calculators and guides for New Zealand, built on IRD, Stats NZ and Reserve Bank data, with the source and date of every figure. Your numbers stay in your browser.
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- Official sources, dated
- How we make money
Most used in New Zealand
All 10 calculators → KiwiSaver Calculator New Zealand: your KiwiSaver at 65 under the 3.5% rules (4% from 2028), with employer ESCT, the government contribution, PIR tax and fees. Rent vs. Buy Calculator True 5 & 10-year comparison with opportunity cost and break-even timeline. Home Buying True Cost Calculator Closing costs, mortgage insurance, taxes, insurance, maintenance — full year-one picture. Compound Interest Calculator Project savings growth from a starting amount, monthly contributions, rate and time — see contributions vs. interest. Debt Payoff Calculator Avalanche vs. snowball with your real debts — interest saved and time to debt-free. Emergency Fund Planner Personalized target based on job stability, income type, and health.
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Spreadsheet planners for New Zealand
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Compare countries
The same decision across the countries we cover, in local currency, from each country’s official or survey figures.
Wedding cost by country Average budgets, cost per guest and where the money goes. Parental leave pay by country Weeks, weekly pay and who pays, side by side. Child benefit by country What each government pays per child, and the income rules. State pension by country Full rates, qualifying years and pension ages.
Latest updates
- New: who pays what while one of you is on parental leave, with real statutory leave pay for the UK, Ireland, Australia, Canada and US states
- Figures refreshed: US, UK and NZ mortgage rates, College Board 2026-27 tuition, ONS ASHE 2026 pay
- Rent vs buy: country-correct buying costs (stamp duty, land transfer tax) and a worked example for each country
How we work
- Calculators for New Zealand
- 10
- Guides
- 120
- Countries
- 7
- Ads or sponsors
- 0
- Every default names its official source and the date we read it.
- Official worked examples run as tests, so the maths matches the authority’s own answers.
- Mistakes are fixed and logged publicly.
Guides for New Zealand
All guides → The True Cost of Owning a Car: 6-Country Comparison (2026) The real 5-year cost of car ownership in the US, UK, Canada, Australia, Ireland and Switzerland — depreciation, insurance, fuel and tax. UK State Pension from Ireland and Abroad (2026): Voluntary Class 2 and Class 3 After the April Change What changed on 6 April 2026, who can still buy missing UK years, Class 2 vs Class 3 costs by year, the 5 April 2027 deadlines, and what each year adds to your UK State Pension. NZ Capital Gains Tax: What Each Party Proposes at the 2026 Election Labour’s 28% tax on investment and commercial property gains after 1 July 2027, what is exempt, where other parties stand, a worked example and today’s 2-year bright-line test. Child Benefit by Country (2026–27): US, UK, Canada, Australia, Ireland and Switzerland What each country pays families per child in 2026–27: the yearly maximum, the total to age 18 and who loses it as income rises.