Continue your plan
Useful next calculations
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic New Zealand planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Annual Family Income (NZ$) | NZ$70,000 |
| Number of Dependent Children | 2 |
| Youngest Child Age | Under 3 |
| Are You In Paid Work? | Yes — 20+ hrs/wk (couple) or 20+ hrs sole parent |
After entering these figures, review annual wff tax credits, weekly payment and fortnightly payment together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Annual WFF Tax Credits
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Weekly Payment
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Fortnightly Payment
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Max Family Tax Credit
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Max In-Work Tax Credit
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Abatement
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
Working for Families (WFF) is New Zealand's primary in-work support package for families raising dependent children, administered by Inland Revenue under the Tax Credits Legislation Act. The two main components modelled in this calculator are the Family Tax Credit (FTC) and the In-Work Tax Credit (IWTC). The FTC is available to all eligible families with children under 18 in full-time education, regardless of work status. The IWTC is an additional credit for families in qualifying paid employment — couples working 30 combined hours or sole parents working at least 20 hours. For 2026/27, both credits begin to abate at NZ$42,700 of annual family income, reducing at 27 cents for each dollar above that threshold until the credits are fully phased out.
This calculator uses the 2026/27 maximum rates set by IRD and applies the abatement to give an indicative annual, weekly, and fortnightly entitlement. The youngest child's age affects the first-child FTC rate, while each additional child adds NZ$5,240 to the maximum entitlement. Note that this tool does not include the Best Start payment (for children under 3), the Minimum Family Tax Credit, childcare subsidy, or accommodation supplement — all of which are separate entitlements that may apply to your family. For a complete picture of your support entitlements, use IRD's official WFF calculator at ird.govt.nz or speak with an IRD advisor, especially if your income fluctuates throughout the year.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
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