Built for Aotearoa · Kiwi jargon explained plainly
Free tools for everyday New Zealand decisions.
Calculate costs, compare options, check local information and plan everyday New Zealand decisions using your own figures and clear assumptions.
Live estimate
Mortgage repayment
Estimated monthly payment
$3,787
Loan amount
$600,000
Loan term
30 years
Choose a starting point
Tools for real-life decisions
Start with a familiar Kiwi household question, then replace every default with the income, rate, tariff or local cost that applies to you.
PAYE & take-home pay
Estimate PAYE, ACC, KiwiSaver and student-loan deductions using current Inland Revenue settings.
View all paye & take-home pay toolsNZ property calculators
Plan council rates, deposits, affordability and buying costs for New Zealand property decisions.
View all nz property calculators toolsMortgage repayments
Compare mortgage repayments, LVR, refinancing and extra payments for a New Zealand home loan.
View all mortgage repayments toolsPower bill & appliance costs
Estimate a complete power bill or calculate heat pump, heater, dryer and appliance running costs.
View all power bill & appliance costs toolsFuel & EV costs
Estimate fuel costs and RUC, then compare EV, petrol and selected vehicle ownership costs.
View all fuel & ev costs toolsEveryday NZ tools
Practical date, age, unit, time-zone and school-zone tools for everyday questions.
View all everyday nz tools toolsPopular now
Popular New Zealand tools
Our most useful tools, ready for your numbers.
Take-home pay calculator NZ
Estimate salary after PAYE, ACC, KiwiSaver and student-loan deductions.
Mortgage repayment calculator NZ
Estimate weekly, fortnightly, or monthly home-loan repayments.
Electricity bill calculator NZ
Estimate a power bill from kWh, variable rates, daily charges and discounts.
Fuel cost calculator NZ
Estimate petrol or diesel cost from distance, fuel economy and pump price.
RUC calculator NZ
Estimate light-vehicle road user charges, licence units and administration fees.
School zone checker NZ
Check which mapped school enrolment zones an NZ address appears inside.
New Zealand sources
Where our numbers come from
KiwiTools checks official rules and public guidance, then shows the assumptions behind each estimate. Your own IRD details, lender terms, council rates and power plan still take priority.
Built on trust
Clear enough to check yourself
Every result comes with visible assumptions and plain-English New Zealand context. We explain the Kiwi jargon, and where an estimate ends and official or professional advice begins.
Transparent
See what drives every result.
Instant
Calculations update as you type.
Local
NZD and Kiwi household context.