Disposable Income Calculator

This calculator works out your true disposable income by bringing every source of income and every category of expense into one worksheet, rather than relying on a rough guess of what is left over each pay cycle. You enter income under remuneration (salary, wages, allowances, commission and subsidies) and deductions (PAYE, ACC, KiwiSaver, student loan, fringe benefit tax, retirement annuity and other deductions), which the calculator combines into your net remuneration. You then add other income such as rental property, dividends, child support and pension payments, and list your outgoings under two groups: operational expenses (groceries, utilities, insurance, rates, vehicle costs, memberships and more) and financing expenses (mortgage or rent repayments, credit card and personal loan repayments, and other financing costs). The calculator totals each section automatically and returns your net disposable income, the amount left once every deduction and expense has been covered. Enter figures consistently, either all monthly or all annual, for an accurate result, and update the fields whenever your income or costs change. Use the result to see how much genuine spare cash you have for savings, investing or debt repayment, and to spot which expense categories are taking the biggest bite out of your pay. The figures you get out are only as accurate as the figures you put in, so treat the result as an indicative guide rather than an exact figure.

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Enter all values as monthly or yearly totals

Remuneration

Allowances income

$

Commission income

$

Gross salary income

$

Subsidy income

$

Other income

$

Remuneration subtotal

$

Deductions

ACC deductions

$

Fringe benefit tax deductions

$

Kiwi Saver deductions

$

PAYE deductions

$

GST deductions

$

Retirement annuity deductions

$

Student loan deductions

$

Other deductions

$

Deductions subtotal

$

(A)

Net remuneration

$

Other Income

Child support income

$

Dividend income

$

Monthly pension income

$

Rental property income

$

(B)

Other income total

$

Operational Expenses

Cleaning expenses

$

Clothing expenses

$

Donation expenses

$

Education expenses

$

Entertainment expenses

$

Gardening expenses

$

Groceries expenses

$

Investment expenses

$

Life insurance expenses

$

Maintenance payments expenses

$

Medical costs expenses

$

Memberships expenses

$

Property rates expenses

$

Rent paid expenses

$

Repairs/maintenance expenses

$

Subscription based services expenses

$

Utilities expenses

$

Vehicle fuel expenses

$

Vehicle maintenance expenses

$

Vehicle insurance expenses

$

Other expenses

$

(C)

Total operational expenses

$

Financing Expenses

Bank charges expenses

$

Credit card repayment expenses

$

Technology financing expenses

$

Furniture financing expenses

$

Vehicle financing expenses

$

Mortgage repayment expenses

$

Personal loan payment expenses

$

Other expenses

$

(D)

Total financing expenses

$

Net Disposable Income Calculation

Net remuneration total

$

Other income total

$

Incomes

$

Operational expenses total

$

Financing expenses total

$

Expenses

$

Net Disposable Income

$

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