Mortgage Repayment Calculator
Estimate monthly repayments, total interest and borrowing costs.
Your numbers,
in plain sight.
Enter your details and calculate to see your breakdown.
Useful estimates. Clear assumptions.
A fixed interest rate is assumed throughout. Savings deposits are made at the end of each month; fees, investment tax, inflation and changing rates are excluded. Mortgage payments are monthly and no extra repayments are assumed.
See calculation rules & official sources ↗Your next useful calculation.
Salary Calculator
Your take-home pay after income tax, ACC, KiwiSaver and student loan deductions.
Open calculator Income TaxIncome Tax Calculator
See each tax band and how much of your income is taxed at each rate.
Open calculator Income TaxAfter Tax Salary Calculator
Explore annual, monthly, fortnightly and weekly take-home pay.
Open calculator Income TaxGross Salary Calculator
Work backwards from your target take-home pay to a gross salary.
Open calculatorGood questions. Clear answers.
Is this an official Inland Revenue calculator?
No. Free Tax Calculator NZ is an independent estimate tool. Our rates are linked to official sources, but we are not affiliated with or endorsed by Inland Revenue.
Why could my payslip show a different amount?
We annualise steady earnings. Payroll rounding, secondary jobs, tailored codes, partial years, benefits and irregular lump sums can produce different results. Check your employer’s calculation or Inland Revenue for payroll decisions.
Do I need an account?
No. All calculators work without an account. An optional account lets you save and reopen calculations.
Are my salary details sent to the server?
Calculations run in your browser. Saving sends inputs to your account on this server. Inputs included in page URLs are also visible to the server when you open or reload those links. Review a link before sharing it.