Everything you need to
understand your finances
Six purpose-built tools covering every major financial decision Kiwis face — from buying a home to planning retirement.
Mortgage Calculator
Home loan repayments, borrowing power, deposit gap, KiwiSaver withdrawal and Kāinga Ora eligibility — your full home-buying picture in one 6-step tool.
Income Tax Calculator
PAYE income tax, ACC earner levy, KiwiSaver and student loan on 2026/27 IRD rates — see your exact take-home pay by week, fortnight, month or year.
Investment Calculator
Compound interest, regular contributions and inflation-adjusted returns. Solve for any variable — final balance, rate, time or contributions.
KiwiSaver Calculator
Project your KiwiSaver balance at 65 — contributions, employer match, the government top-up and fund returns, with first-home withdrawal built in.
GST Calculator
Add or remove 15% GST from any amount, with instant GST-inclusive and GST-exclusive totals — plus a checker for whether you've hit the $60,000 registration threshold.
Retirement Calculator
See if you're on track for the retirement you want — combine NZ Super, KiwiSaver and other savings to estimate your income and any shortfall.
Built for New Zealand,
not borrowed from overseas
Most financial calculators use US or Australian assumptions. Calqhub is built from the ground up using NZ legislation, tax rates and real market data.
100% NZ rates & legislation
Every calculator uses current NZ PAYE brackets, the ACC earner levy, KiwiSaver rules, RBNZ DTI limits and NZ regional house price data — updated each year.
Your data never leaves your device
All calculations run in your browser. We don't store your income, savings or property details on any server. No account required, ever.
Free, no ads inside the tools
Calqhub is free to use. We don't show ads inside the calculator tools themselves — no distractions, no upsells while you're working through your numbers.
From numbers to clarity
in three steps
Choose your calculator
Pick the tool that matches your financial question — home buying, investing, budgeting, tax or retirement.
Enter your details
Fill in your income, savings and goals. Smart defaults pre-fill the technical fields so you don't need to research every rate yourself.
Get your personalised picture
See charts, timelines and plain-English verdicts — not just a number, but what it means for your situation and what to do next.
Common questions
Are Calqhub's calculators free to use?
Yes — all Calqhub calculators are completely free. No account, credit card or sign-up is required. We don't show ads inside the calculator tools.
Are the NZ tax rates and interest rates up to date?
Yes. Calqhub uses NZ 2026 PAYE income tax brackets, the current ACC earner levy rate, KiwiSaver contribution rules and current market interest rates. We update these annually. Always verify specific figures with IRD or your bank before making major decisions.
Does Calqhub store my financial information?
No. All calculations run entirely in your browser. We never send your income, savings, debt or property details to any server. Your data stays on your device and is gone when you close the tab.
How accurate is the home buying calculator?
The home buying calculator uses real NZ lending rules — including the RBNZ's 6× DTI cap, a standard stress-test rate, PAYE-accurate take-home pay, and actual regional house price data. It also includes Kāinga Ora First Home Loan eligibility checks. Results are indicative and based on standard assumptions; your actual borrowing capacity depends on your full financial history and your lender's criteria. We always recommend talking to a mortgage adviser before making an offer.
What is the Kāinga Ora First Home Loan?
The Kāinga Ora First Home Loan lets eligible first-home buyers purchase a property with as little as a 5% deposit, backed by a government guarantee. To qualify, all buyers must be NZ citizens or residents, household income must be under $95,000 for a single buyer (or $150,000 for two or more), and it must be your first home. The First Home Grant was discontinued in May 2024 and is no longer available. Our home buying calculator checks your eligibility automatically.
Can I use these calculators on my phone?
Yes — Calqhub is fully responsive and designed to work on mobile, tablet and desktop. Every calculator is tested across all screen sizes.
Is Calqhub financial advice?
No. Calqhub provides financial calculators for informational and educational purposes only — this is not financial advice. The results are estimates based on the inputs you provide and standard NZ assumptions. For advice about your specific situation, please consult a licensed financial adviser or mortgage broker.