Four-Day Week Calculator NZ

This calculator shows what moving to a four-day week really does to your finances, whether your employer keeps you on full pay or moves you to reduced pay such as four-fifths or 90 percent. You enter your current annual salary, choose the new pay basis, and estimate the work costs you save from one fewer commuting day, such as fuel, parking, lunches and coffees. Using the current income tax brackets and the ACC earners levy, it works out your current take-home pay and your new take-home pay under the chosen arrangement, then reports the difference. That pay change is combined with the yearly value of your cost savings to give a net change to your yearly position, alongside your new take-home pay, the take-home change alone, and the total work costs saved. This matters because a headline pay cut, such as dropping to 80 percent salary, is usually less painful in practice once a full day of costs disappears each week. Use it to judge whether a four-day week is financially workable for your household, and to have an informed conversation with your employer about pay basis. It does not put a dollar value on the extra day off itself, often the real prize. Figures use 2026/2027 tax settings and are an estimate only, not financial advice.

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Based on the 2026/2027 income tax brackets and the ACC earners levy. Work-cost savings are one fewer commuting day a week. This ignores the value of the extra day off itself, which is the main non-financial benefit. Estimate only, not financial advice.