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🇳🇿 New Zealand · NZD

All Your Calculators in One Place

80+ free calculators for mortgage, tax, salary, investments and more — all in NZD.

84 calculators found

🏦Finance & Mortgages

Mortgage Calculator

Calculate your monthly mortgage payments instantly. Enter loan amount, interest rate and term.

£300k at 4.5% over 25 years = £1,520/month

🏦Finance & Mortgages

Loan Repayment Calculator

Calculate monthly loan repayments and total interest for any personal or business loan.

£20k loan at 4% over 5 years = £368/month

🏦Finance & Mortgages

Mortgage Affordability Calculator

Find out how much mortgage you can afford based on your income and outgoings.

£200k @ 4% for 20 years = £955/month

🏦Finance & Mortgages

Mortgage Overpayment Calculator

See how much time and interest you save by overpaying your mortgage each month.

£200k @ 4% for 20 years = £955/month

🏦Finance & Mortgages

Stamp Duty Calculator

Calculate stamp duty land tax (SDLT) on residential property purchases.

£350k property = £6,250 stamp duty

🏦Finance & Mortgages

Interest-Only Mortgage Calculator

Calculate interest-only mortgage monthly payments and total interest cost.

£200k @ 4% for 20 years = £955/month

🏦Finance & Mortgages

Refinancing Calculator

Find out how much you save by remortgaging and when you break even on fees.

Try our refinancing calculator for instant results

🏦Finance & Mortgages

Early Repayment Savings Calculator

See how much interest you save by paying off your mortgage or loan early.

£10,000 at 5% for 10 years

🏦Finance & Mortgages

Fixed vs Variable Mortgage Calculator

Compare fixed and variable rate mortgages side by side.

£200k @ 4% for 20 years = £955/month

🏦Finance & Mortgages

Buy-to-Let Yield Calculator

Calculate gross and net rental yield on buy-to-let investment properties.

£5,000 investment at 8% annual return

💰Tax & Salary

Salary After Tax Calculator

Calculate your take-home pay after income tax and national insurance or social security.

£50,000 salary = £38,500 take-home

💰Tax & Salary

Hourly to Salary Calculator

Convert your hourly wage to annual, monthly and weekly salary instantly.

£45,000 annual income

💰Tax & Salary

Overtime Pay Calculator

Calculate overtime earnings with any multiplier — time-and-a-half, double time, and more.

Try our overtime pay calculator for instant results

💰Tax & Salary

Income Tax Calculator

Calculate income tax across all bands. Enter your personal allowance for your country.

£50,000 income = £7,500 tax

💰Tax & Salary

Pension Contribution Calculator

Calculate pension or retirement contributions, employer match, and tax relief.

Try our pension contribution calculator for instant results

📈Investments & Savings

Compound Interest Calculator

Calculate how your investment grows with compound interest over time.

£10k at 5% for 20 years = £26,533

📈Investments & Savings

Investment Return Calculator

Calculate total and annualised return on any investment.

£10k investment at 7% return for 20 years = £38,697

📈Investments & Savings

Savings Growth Calculator

Project your savings with regular monthly contributions and compound interest.

£500/month at 3% for 10 years = £62,889

📈Investments & Savings

Retirement Savings Calculator

Calculate how much you will have at retirement based on your savings and contributions.

£10,000 at 5% for 10 years

📈Investments & Savings

Dividend Yield Calculator

Calculate the dividend yield and annual income from your stock holdings.

£100 share price, £2 annual dividend = 2% yield

🏠Property & Real Estate

Rental Yield Calculator

Calculate gross rental yield on any investment property.

£300k property, £1,500/month rent = 6% yield

🏠Property & Real Estate

ROI Calculator

Calculate return on investment as a percentage for any investment.

£5,000 investment at 8% annual return

🏠Property & Real Estate

Capital Growth Calculator

Calculate total and annualised capital growth on your property investment.

£300k property at 5% growth per year = £468k after 10 years

🏠Property & Real Estate

Property Flipping Profit Calculator

Calculate profit and ROI on property flipping projects including renovation costs.

£250,000 property

🏠Property & Real Estate

Mortgage vs Rent Calculator

Compare the monthly cost of buying versus renting to make an informed decision.

£200k @ 4% for 20 years = £955/month

❤️Health & Lifestyle

BMI Calculator

Calculate your Body Mass Index (BMI) instantly.

1.75m tall, 75kg = BMI 24.5 (healthy)

❤️Health & Lifestyle

BMR Calculator

Calculate your Basal Metabolic Rate using the Mifflin-St Jeor equation.

Try our bmr calculator for instant results

❤️Health & Lifestyle

Calorie Calculator

Calculate your daily calorie needs for maintenance, weight loss, or weight gain.

Sedentary male, 30yo, 5'10" = 2,400 cal/day

❤️Health & Lifestyle

Body Fat Calculator

Estimate body fat percentage using the US Navy circumference method.

Try our body fat calculator for instant results

❤️Health & Lifestyle

Macros Split Calculator

Calculate your daily protein, carbs, and fat macros from your calorie target.

Try our macros split calculator for instant results

💼Business & Freelance

Profit Margin Calculator

Calculate gross profit, profit margin percentage, and markup for any business.

£100k revenue, £30k COGS = 70% gross margin

💼Business & Freelance

Break-Even Calculator

Calculate break-even point in units and revenue for your business.

£50k fixed costs, £20 cost per unit, £50 price = 2,000 units

💼Business & Freelance

Invoice Totals Calculator

Calculate invoice totals including VAT or sales tax and discounts.

Try our invoice totals calculator for instant results

💼Business & Freelance

VAT Calculator

Add or remove VAT or sales tax from any amount. Works for any tax rate.

Try our vat calculator for instant results

💼Business & Freelance

Hourly Rate Calculator

Calculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.

Try our hourly rate calculator for instant results

🔧Miscellaneous

Percentage Calculator

Calculate percentages instantly — what percent is X of Y, and percentage of a number.

Try our percentage calculator for instant results

🔧Miscellaneous

Unit Converter

Convert between units of measurement using a custom conversion factor.

Try our unit converter for instant results

🔧Miscellaneous

Currency Converter

Convert between any two currencies using the latest exchange rate.

Try our currency converter for instant results

🔧Miscellaneous

Loan-to-Value Calculator

Calculate your loan-to-value ratio to find the best mortgage rates.

£200k @ 4% for 20 years = £955/month

🔧Miscellaneous

Timezone Converter

Convert times between any two time zones using UTC offsets.

Try our timezone converter for instant results

🚗Car & Transport

Car Loan Calculator

Calculate monthly car finance payments and total interest. Compare deposit amounts and terms.

£15k car, £3k deposit, 7.9% APR = £267/month

🚗Car & Transport

Car Depreciation Calculator

Calculate how much your car will depreciate over time. See future value and total loss.

£20k car at 15% depreciation = £10,368 after 5 years

🚗Car & Transport

Fuel Cost Calculator

Calculate annual fuel costs based on your mileage, MPG, and fuel price per litre.

10k miles/year, 40 MPG, £1.50/L = £936/year

🚗Car & Transport

Electric vs Petrol Calculator

Compare annual running costs of electric vs petrol cars based on your mileage and energy prices.

Try our electric vs petrol calculator for instant results

🚗Car & Transport

Car Running Cost Calculator

Calculate total annual car running costs including fuel, insurance, depreciation and servicing.

Try our car running cost calculator for instant results

🚗Car & Transport

EV Charging Cost Calculator

Calculate electric car charging costs per charge, per month and per mile at home or public chargers.

Try our ev charging cost calculator for instant results

Energy & Bills

Electricity Cost Calculator

Calculate your electricity costs per day, month and year based on your usage and unit rate.

2,000 kWh/year at £0.24/kWh = £480/year

Energy & Bills

Gas Bill Calculator

Calculate your monthly and annual gas bill from your daily usage, unit rate and standing charge.

Try our gas bill calculator for instant results

Energy & Bills

Solar Panel Savings Calculator

Calculate solar panel savings, payback period and 10-year return based on your system size and energy prices.

£10,000 at 5% for 10 years

Energy & Bills

Energy Bill Calculator

Calculate your total annual energy bill combining gas and electricity usage, unit rates and standing charges.

Try our energy bill calculator for instant results

💰Tax & Salary

Capital Gains Tax Calculator

Calculate Capital Gains Tax on property and investments. Updated for 2025/26 CGT rates.

£45,000 annual income

💰Tax & Salary

Inheritance Tax Calculator

Calculate inheritance tax liability on an estate. Includes nil rate band and residence nil rate band.

£45,000 annual income

💰Tax & Salary

National Insurance Calculator

Calculate employee National Insurance contributions on your salary. Updated for 2025/26 NI rates.

Car value £15,000, age 3 years

💰Tax & Salary

Corporation Tax Calculator

Calculate corporation tax on company profits including marginal relief for profits between £50,000 and £250,000.

£45,000 annual income

💰Tax & Salary

Dividend Tax Calculator

Calculate tax on dividend income including allowances and your tax band. Updated for 2025/26.

£45,000 annual income

📈Investments & Savings

ISA Calculator

Project your ISA value with compound growth. Calculate tax-free returns on your annual ISA contributions.

Try our isa calculator for instant results

📈Investments & Savings

Index Fund Calculator

Project index fund investment growth with lump sum and regular contributions. See long-term compound returns.

Try our index fund calculator for instant results

📈Investments & Savings

SIPP Calculator

Calculate SIPP pension pot growth with tax relief. Project your retirement fund from annual contributions.

Try our sipp calculator for instant results

🏦Finance & Mortgages

Equity Release Calculator

Calculate how much equity you could release from your home and the total rolled-up interest owed.

Try our equity release calculator for instant results

🏦Finance & Mortgages

Second Home Stamp Duty Calculator

Calculate stamp duty on second homes and buy-to-let properties including the 3% additional property surcharge.

Try our second home stamp duty calculator for instant results

🏦Finance & Mortgages

Bridging Loan Calculator

Calculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.

£200k @ 4% for 20 years = £955/month

🏦Finance & Mortgages

Deposit Savings Calculator

Calculate how long it will take to save a house deposit based on your monthly savings and interest rate.

£10,000 at 5% for 10 years

🏠Property & Land

Landlord Profit Calculator

Calculate monthly and annual landlord profit after mortgage, agent fees, maintenance and insurance.

Try our landlord profit calculator for instant results

🏠Property & Land

Rent Increase Calculator

Calculate the new monthly rent after a percentage increase and see the extra monthly and annual cost.

£250,000 property

❤️Health & Fitness

Ideal Weight Calculator

Calculate your ideal weight range based on height and healthy BMI. Find your target weight.

Try our ideal weight calculator for instant results

❤️Health & Fitness

Water Intake Calculator

Calculate your recommended daily water intake based on weight and activity level.

Try our water intake calculator for instant results

❤️Health & Fitness

Running Pace Calculator

Calculate running pace per km and per mile from your distance and time. Convert between pace and speed.

Try our running pace calculator for instant results

❤️Health & Fitness

Heart Rate Zone Calculator

Calculate personalised heart rate training zones using the Karvonen method. Find your fat burn and aerobic zones.

Try our heart rate zone calculator for instant results

💼Business & Freelance

IR35 Calculator

Calculate take-home pay inside IR35. See how much you keep from your contract rate after PAYE tax and NI.

Try our ir35 calculator for instant results

💼Business & Freelance

Dividend vs Salary Calculator

Calculate the most tax-efficient salary and dividend split for limited company directors.

£45,000 annual income

💼Business & Freelance

Employee Cost Calculator

Calculate the true total cost of an employee including employer NI, pension contributions and benefits.

Try our employee cost calculator for instant results

💼Business & Freelance

Markup Calculator

Calculate selling price from cost and markup percentage. See gross profit and gross margin instantly.

Try our markup calculator for instant results

🌟Lifestyle & Everyday

Tip Calculator

Calculate tip amount, total bill and per-person share for any restaurant or service. Split evenly in seconds.

Try our tip calculator for instant results

🌟Lifestyle & Everyday

Split Bill Calculator

Split a restaurant bill equally between any number of people, with or without a tip.

Try our split bill calculator for instant results

🌟Lifestyle & Everyday

Wedding Budget Calculator

Plan your wedding budget with a recommended breakdown by venue, catering, photography and more.

Try our wedding budget calculator for instant results

🌟Lifestyle & Everyday

Holiday Cost Calculator

Calculate total holiday costs including flights, hotel, and spending money for any number of people.

Try our holiday cost calculator for instant results

🌟Lifestyle & Everyday

Childcare Cost Calculator

Calculate annual and monthly childcare costs after free hours entitlement and Tax-Free Childcare savings.

Try our childcare cost calculator for instant results

🛡️Insurance

Car Insurance Calculator

Estimate your annual car insurance cost based on vehicle value, age, and claims history.

Car value £15,000, age 3 years

🛡️Insurance

Home Insurance Calculator

Calculate estimated home insurance costs based on property value and risk factors.

Car value £15,000, age 3 years

💳Credit & Debt

Credit Card Payoff Calculator

Calculate how long it takes to pay off a credit card and see total interest costs.

£3,000 balance at 18% APR

💳Credit & Debt

Debt Consolidation Calculator

Calculate potential savings from consolidating high-interest debts into a lower-rate loan.

£3,000 balance at 18% APR

🎓Education & Training

Student Loan Repayment Calculator

Calculate monthly payments and total cost for repaying student loans over time.

£200k @ 4% for 20 years = £955/month

🎓Education & Training

Cost of University Calculator

Estimate total university costs including tuition, accommodation, and living expenses.

Try our cost of university calculator for instant results

🏠Property & Real Estate

Buy-to-Let ROI Calculator

Calculate rental profits and return on investment for buy-to-let property investments.

£5,000 investment at 8% annual return

🔧Finance & Mortgages

Mortgage Calculator

Calculate your monthly mortgage payments instantly. Enter loan amount, interest rate and term.

£300k at 4.5% over 25 years = £1,520/month

Loan Repayment Calculator

Calculate monthly loan repayments and total interest for any personal or business loan.

£20k loan at 4% over 5 years = £368/month

Mortgage Affordability Calculator

Find out how much mortgage you can afford based on your income and outgoings.

£200k @ 4% for 20 years = £955/month

Mortgage Overpayment Calculator

See how much time and interest you save by overpaying your mortgage each month.

£200k @ 4% for 20 years = £955/month

Stamp Duty Calculator

Calculate stamp duty land tax (SDLT) on residential property purchases.

£350k property = £6,250 stamp duty

Interest-Only Mortgage Calculator

Calculate interest-only mortgage monthly payments and total interest cost.

£200k @ 4% for 20 years = £955/month

Refinancing Calculator

Find out how much you save by remortgaging and when you break even on fees.

Try our refinancing calculator for instant results

Early Repayment Savings Calculator

See how much interest you save by paying off your mortgage or loan early.

£10,000 at 5% for 10 years

Fixed vs Variable Mortgage Calculator

Compare fixed and variable rate mortgages side by side.

£200k @ 4% for 20 years = £955/month

Buy-to-Let Yield Calculator

Calculate gross and net rental yield on buy-to-let investment properties.

£5,000 investment at 8% annual return

Equity Release Calculator

Calculate how much equity you could release from your home and the total rolled-up interest owed.

Try our equity release calculator for instant results

Second Home Stamp Duty Calculator

Calculate stamp duty on second homes and buy-to-let properties including the 3% additional property surcharge.

Try our second home stamp duty calculator for instant results

Bridging Loan Calculator

Calculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.

£200k @ 4% for 20 years = £955/month

Deposit Savings Calculator

Calculate how long it will take to save a house deposit based on your monthly savings and interest rate.

£10,000 at 5% for 10 years

🔧Tax & Salary

🔧Investments & Savings

🔧Property & Real Estate

🔧Health & Lifestyle

🔧Business & Freelance

🔧Miscellaneous

🔧Car & Transport

🔧Energy & Bills

🔧Lifestyle & Everyday

🔧Insurance

🔧Credit & Debt

🔧Education & Training

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