# Calculate.co.nz

> New Zealand's number 1 and largest free calculator and financial literacy platform. 779 free calculators, 250 expert financial literacy guides and 50 NZ reference datasets for tax, mortgages, investments, KiwiSaver, GST, FBT, PAYE and more. All calculators use current 2026/27 IRD rates and NZ legislation. Reviewed by James Graham, NZ's #1 calculator builder with 15+ years of experience helping 20 million+ people. Calculate.co.nz is part of the Realtor.co.nz group. The 14-calculator FBT suite, 15-calculator GST suite, 10-calculator PAYE suite, and 10-calculator Property Tax suite together form the most comprehensive free NZ tax tooling available.

## About

- [About Calculate.co.nz](https://calculate.co.nz/about-us.php): Founder, methodology, partnerships
- [Learning Center](https://calculate.co.nz/learning-center/index.php): Educational guides on NZ finance topics
- [Homepage](https://calculate.co.nz/index.php): Full directory of all calculators

## AI / API Access

Calculate.co.nz exposes its core calculators via a public REST API and an MCP (Model Context Protocol) server. AI assistants and developers can call these endpoints directly to return authoritative NZ financial figures.

- [REST API documentation (Swagger)](https://api.calculate.co.nz/docs)
- [OpenAPI specification](https://api.calculate.co.nz/openapi.json)
- MCP server endpoint: `https://mcp.calculate.co.nz/mcp`
- Available as a Claude.ai custom connector
- Available as a ChatGPT custom GPT in the GPT Store
- All calculations match the on-site calculators to the cent

## Tax & Salary Calculators

- [PAYE and Salary Calculator](https://calculate.co.nz/paye-calculator.php): NZ take-home pay including PAYE income tax, ACC earner's levy, KiwiSaver, student loan, and IETC for 2026/27
- [Take Home Pay Calculator NZ](https://calculate.co.nz/take-home-pay-calculator.php): Net pay after all deductions
- [Income Tax Calculator](https://calculate.co.nz/income-tax-calculator.php): NZ income tax across all brackets
- [Tax Refund Calculator NZ](https://calculate.co.nz/tax-refund-calculator.php): Estimate your end-of-year refund
- [YTD Earnings Calculator](https://calculate.co.nz/ytd-earnings-calculator.php): Year-to-date earnings projection
- [Lump Sum & Redundancy Tax Calculator](https://calculate.co.nz/lump-sum-redundancy-tax-calculator.php): Tax on extra pay and redundancy
- [Total Remuneration Package Comparator](https://calculate.co.nz/total-remuneration-comparator.php): Compare two job offers including all benefits
- [Marginal Rate Reality Visualiser](https://calculate.co.nz/marginal-rate-visualiser.php): How tax brackets actually affect take-home
- [Final Pay Calculator NZ](https://calculate.co.nz/final-pay-calculator.php): Final pay including holiday pay
- [Hourly to Salary Calculator](https://calculate.co.nz/hourly-to-salary-calculator.php): Convert between hourly rate and annual salary
- [Annual Leave Calculator](https://calculate.co.nz/annual-leave-calculator.php): Project leave balance under Holidays Act 2003
- [Student Loan Repayment Calculator](https://calculate.co.nz/student-loan-repayment-calculator.php): NZ student loan repayments at 12% above $24,128
- [Superannuation Calculator](https://calculate.co.nz/superannuation-calculator.php): NZ Super entitlements
- [Business Income Tax Calculator](https://calculate.co.nz/business-income-tax-calculator.php): NZ company income tax
- [CGT Calculator](https://calculate.co.nz/cgt-calculator.php): Capital gains tax estimation
- [ESCT Calculator](https://calculate.co.nz/esct-calculator.php): Employer Superannuation Contribution Tax
- [FBT Calculator NZ](https://calculate.co.nz/fbt-calculator.php): Fringe Benefit Tax (main calculator, see dedicated FBT section below for the full 14-calculator suite)

## Fringe Benefit Tax (FBT) Calculators

The most comprehensive free FBT tooling in New Zealand. All 14 calculators share a central data file using verified 2026 IRD rates: 63.93% single rate, 49.25% alternate/pooled rate, and 5.77% prescribed interest rate (from 1 January 2026).

- [NZ FBT Calculator](https://calculate.co.nz/fbt-calculator.php): Main FBT calculator covering motor vehicles (cost price and tax book value methods), low-interest loans, insurance, and unclassified benefits
- [FBT Attribution Calculator](https://calculate.co.nz/fbt-attribution-calculator.php): Q4 wash-up calculation comparing single rate, full alternate rate, short-form alternate, and pooled alternate options to find the cheapest method
- [FBT De Minimis Calculator](https://calculate.co.nz/fbt-de-minimis-calculator.php): $300 per employee per quarter and $22,500 per employer per annum threshold tracker for unclassified benefits including Christmas gifts and vouchers
- [FBT Entertainment Decision Tool](https://calculate.co.nz/fbt-entertainment-calculator.php): Decision tree for 50% deductible entertainment versus 100% deductible business meals versus FBT-taxable employee benefits across 20 expense categories
- [Close Company Vehicle FBT vs Income Tax Calculator](https://calculate.co.nz/fbt-close-company-calculator.php): Compares paying FBT on a shareholder vehicle versus opting out under section CX 17 and apportioning expenses; includes IRD kilometre rates option
- [Shareholder Loan FBT Calculator](https://calculate.co.nz/fbt-shareholder-loan-calculator.php): Charge interest at the prescribed rate or pay FBT on overdrawn current accounts; uses current 5.77% prescribed rate
- [FBT Quarterly Return Estimator (IR420)](https://calculate.co.nz/fbt-quarterly-estimator.php): Builds quarterly IR420 totals across all benefit types with Q4 wash-up warnings
- [FBT Method Optimiser - Cost Price vs Tax Book Value](https://calculate.co.nz/fbt-method-optimiser.php): 5-year side-by-side projection of FBT under cost price (5%/quarter) versus tax book value (9%/quarter, $8,333 floor) methods, including the 5-year minimum lock-in implications
- [Subsidised Transport FBT Calculator](https://calculate.co.nz/fbt-subsidised-transport-calculator.php): For airlines, bus, ferry, and rail operators; applies the 25% of highest public fare rule from section CX 8
- [Public Transport FBT Exemption Checker](https://calculate.co.nz/fbt-public-transport-checker.php): Decision tree for the 1 April 2023 exemption covering bus, train, ferry, cable car, e-bikes, scooters, and other low-powered vehicles
- [Charity FBT Calculator](https://calculate.co.nz/fbt-charity-calculator.php): Tests the section CX 25 charity exemption and the lesser-of $1,200 or 5% of salary threshold for short-term charge facilities
- [Work-Related Vehicle FBT Exemption Checker](https://calculate.co.nz/fbt-work-related-vehicle-checker.php): Six-test decision tool for the WRV exemption covering double cab utes, vans, signwriting, written restrictions, and quarterly compliance checks per section CX 38
- [GST on FBT Calculator](https://calculate.co.nz/fbt-gst-calculator.php): The 3/23 GST adjustment on fringe benefit taxable values for IR420 box 7 (quarterly) or IR422 box 6 (annual), with handling for GST-exempt benefits and partial GST registration
- [FBT Filing Frequency Calculator](https://calculate.co.nz/fbt-filing-frequency-calculator.php): Quarterly (IR420) versus annual (IR422) versus income year (IR421) decision tool testing the $1,000,000 PAYE+ESCT threshold and close company rules

## GST Calculators

- [GST Calculator](https://calculate.co.nz/gst-calculator.php): Add or remove 15% NZ GST from any amount
- [Reverse GST Calculator](https://calculate.co.nz/reverse-gst-calculator.php): Extract GST content from a GST-inclusive total
- [Business GST Calculator](https://calculate.co.nz/business-gst-calculator.php): GST for NZ businesses
- [GST Due Dates 2026/27](https://calculate.co.nz/gst-due-dates-2026.php): NZ GST filing deadlines
- [GST for Tradies](https://calculate.co.nz/gst-for-tradies.php): Specific guidance for tradespeople
- [GST on Imports](https://calculate.co.nz/gst-on-imports.php): GST on imported goods and services
- [GST Registration Threshold](https://calculate.co.nz/gst-registration-threshold.php): When you must register for GST ($60,000 turnover)
- [GST Change of Use Calculator](https://calculate.co.nz/gst-change-of-use-calculator.php): Apportionment wash-up adjustment under section 21G (10pp / $1,000 thresholds)
- [GST Second-Hand Goods Calculator](https://calculate.co.nz/gst-secondhand-goods-calculator.php): Section 3A 3/23 input tax credit when buying used goods from unregistered sellers
- [GST Mixed-Use Asset Calculator](https://calculate.co.nz/gst-mixed-use-calculator.php): Apportion GST input tax for holiday homes, baches, boats and aircraft over $50,000
- [GST Entertainment Calculator](https://calculate.co.nz/gst-entertainment-calculator.php): 50% vs 100% deductible categories with year-end GST adjustment
- [GST Basis Switcher](https://calculate.co.nz/gst-basis-switcher.php): Invoice vs payments vs hybrid accounting basis with $2m threshold and cash flow modelling
- [GST De-registration Calculator](https://calculate.co.nz/gst-deregistration-calculator.php): Deemed supply on retained assets when cancelling GST registration
- [GST Zero-Rated Supply Checker](https://calculate.co.nz/gst-zero-rated-checker.php): Decision tree for exports, land between registered parties, going concerns, B2B financial services
- [GST Reverse Charge Calculator](https://calculate.co.nz/gst-reverse-charge-calculator.php): Self-assessed GST on imported services under section 8(4B) with 95%/90% threshold tests
- [Australian GST Calculator](https://calculate.co.nz/australian-gst-calculator.php): Australia's 10% GST
- [Australian PAYG Calculator](https://calculate.co.nz/australian-payg-calculator.php): Australian Pay As You Go tax

## Pay As You Earn (PAYE) Calculators

The complete 10-calculator PAYE suite for NZ employers, employees, and contractors. All calculators share a central data file using verified 2026/27 IRD rates: income tax brackets (10.5%, 17.5%, 30%, 33%, 39%), ACC earners' levy at 1.75% capped at $156,641, KiwiSaver default 3.5%, student loan threshold $24,128, IETC $520, and WfF rates effective 1 April 2026.

- [Tax Code Picker (IR330 Helper)](https://calculate.co.nz/tax-code-picker.php): Interactive decision tool that determines the correct tax code (M, ME, M SL, ME SL, S, SH, ST, SA, SB) based on income source, secondary job status, student loan, IETC eligibility, and WfF/benefit/Super receipt
- [Schedular Payments (WT) Calculator](https://calculate.co.nz/schedular-payments-calculator.php): Contractor withholding tax for activities under Schedule 4 of the Income Tax Act 2007, covering company directors (33%), commission (20%), modelling, shearing, horticultural, forestry, cleaning, sports, plus elected rates 10-40% via IR330C
- [Employer PAYE Cost Calculator](https://calculate.co.nz/employer-paye-cost-calculator.php): True cost of an employee including gross wages, ACC employer levy by Classification Unit, KiwiSaver employer contribution (3.5% default), ESCT, and loaded cost ratio
- [ESCT (Employer Superannuation Contribution Tax) Calculator](https://calculate.co.nz/esct-calculator-nz.php): Standalone ESCT tier picker using prior year earnings plus employer KiwiSaver (10.5%, 17.5%, 30%, 33%, 39% thresholds)
- [Holiday Pay Calculator (Holidays Act 2003)](https://calculate.co.nz/holiday-pay-calculator.php): Ordinary weekly pay (OWP) versus average weekly earnings (AWE) comparison using the "greater of" rule, annual leave on termination, public holiday alternative day calculations
- [8% Pay-As-You-Go Holiday Pay Calculator](https://calculate.co.nz/paygo-holiday-pay-calculator.php): Eligibility test and calculation for casual and fixed-term workers under 12 months, the 8% loading, genuine intermittent versus disguised continuous work
- [Bonus and Commission Tax Calculator](https://calculate.co.nz/bonus-commission-tax-calculator.php): Extra emolument rate calculation with annualisation method, one-off payments, performance bonuses, sales commissions
- [Working for Families Tax Credits Calculator](https://calculate.co.nz/working-for-families-calculator.php): Family Tax Credit ($144 first child, $117 subsequent per week), In-Work Tax Credit ($97.50/week including the $50 boost), Best Start ($73/week newborn), abatement at 27c per $1 above $42,700
- [PAYE Square-Up Calculator](https://calculate.co.nz/paye-square-up-calculator.php): Year-end reconciliation comparing PAYE withheld versus actual tax liability, residual income tax (RIT), $200 write-off threshold, $5,000 provisional tax trigger, IR3 filing requirements
- [PAYE Due Dates Calculator](https://calculate.co.nz/paye-due-dates-calculator.php): Monthly versus twice-monthly payment schedule based on $500,000 PAYE+ESCT threshold, payday filing 2-working-day deadline, weekend/public holiday shifts, late filing penalties

## KiwiSaver Calculators

- [KiwiSaver Retirement Calculator](https://calculate.co.nz/kiwisaver-calculator.php): Project your balance at retirement age including employer contributions, government contribution ($260.72/yr from 1 July 2025), PIR tax, fees, and fund-type changes
- [KiwiSaver Fee Calculator](https://calculate.co.nz/kiwisaver-fee-calculator.php): Compare provider fees over time

## Mortgage and Property Calculators

- [Mortgage Calculator](https://calculate.co.nz/mortgage-calculator.php): NZ mortgage repayments (weekly, fortnightly, monthly)
- [Advanced Mortgage Calculator](https://calculate.co.nz/advanced-mortgage-calculator.php): Repayments with extra payments and amortisation schedule
- [Mortgage Repayment Calculator](https://calculate.co.nz/mortgage-repayment-calculator.php): Standard repayment calculation
- [Home Loan Repayment Calculator](https://calculate.co.nz/home-loan-repayment-calculator.php): Home loan specific
- [Mortgage Refinance Calculator](https://calculate.co.nz/mortgage-refinance-calculator.php): Compare current vs refinanced loan
- [Mortgage Break Fee Calculator](https://calculate.co.nz/mortgage-break-fee-calculator.php): Estimate break fees on fixed-rate loans
- [Mortgage Offset Calculator](https://calculate.co.nz/mortgage-offset-calculator.php): Impact of an offset account
- [Mortgage Lump Sum Impact Calculator](https://calculate.co.nz/mortgage-lump-sum-impact-calculator.php): Effect of one-off extra payments
- [Mortgage Interest Rate Comparison Calculator](https://calculate.co.nz/mortgage-interest-rate-comparison-calculator.php): Compare two interest rates
- [Mortgage Effective Interest Rate Calculator](https://calculate.co.nz/mortgage-effective-interest-rate-calculator.php): True effective rate
- [Mortgage Term Payment Comparison Calculator](https://calculate.co.nz/mortgage-term-payment-comparison-calculator.php): Compare loan terms
- [Mortgage Short Term Rate Decision Calculator](https://calculate.co.nz/mortgage-short-term-interest-rate-decision-choice-calculator.php): Fix vs float decision
- [Mortgage Budget Calculator](https://calculate.co.nz/mortgage-budget-calculator.php): What you can afford
- [Mortgage Repayment Visualiser](https://calculate.co.nz/mortgage-visualiser.php): Visual amortisation
- [Interest Only Mortgage Calculator](https://calculate.co.nz/interest-only-mortgage-calculator.php): Interest-only repayments
- [Reverse Mortgage Calculator NZ](https://calculate.co.nz/reverse-mortgage-calculator.php): Equity release calculations
- [Borrowing Capacity Calculator](https://calculate.co.nz/borrowing-capacity-calculator.php): How much can you borrow
- [LVR Lending Capacity Calculator](https://calculate.co.nz/lvr-lending-capacity-calculator.php): Loan-to-value ratio limits
- [Loan to Value Calculator](https://calculate.co.nz/loan-to-value-calculator.php): LVR calculation
- [Debt Service Ratio Calculator](https://calculate.co.nz/debt-service-ratio-calculator.php): DSR for lending applications
- [DTI Calculator](https://calculate.co.nz/dti-calculator.php): Debt-to-income ratio
- [Principal Payback Milestone Calculator](https://calculate.co.nz/principal-payback-milestone-calculator.php): When you'll hit principal milestones
- [First Home Buyer Calculator](https://calculate.co.nz/first-home-buyer-calculator.php): First home affordability
- [House Deposit Savings Calculator NZ](https://calculate.co.nz/deposit-savings-calculator.php): How long to save a deposit
- [Home Equity Calculator NZ](https://calculate.co.nz/home-equity-calculator.php): Current home equity
- [Historical Rates Analysis Calculator](https://calculate.co.nz/historical-rates-analysis-calculator.php): NZ historical mortgage rates
- [Property Investment Calculator NZ](https://calculate.co.nz/property-investment-calculator.php): Investment property analysis
- [Property Investment Return Calculator NZ](https://calculate.co.nz/property-investment-return-calculator.php): ROI on property
- [Property Capitalisation Rate Calculator](https://calculate.co.nz/property-capitalisation-rate-calculator.php): Cap rate for investment properties
- [Property Capital Value Change Calculator](https://calculate.co.nz/property-capital-value-change-calculator.php): CV change over time
- [Property Development Feasibility Calculator](https://calculate.co.nz/property-development-feasibility-calculator.php): Development feasibility
- [Property Location Cost Calculator](https://calculate.co.nz/property-location-cost-calculator.php): Cost comparison by location
- [Property New Build Calculator](https://calculate.co.nz/property-new-build-calculator.php): New build economics
- [Property Upsize Downsize Calculator](https://calculate.co.nz/property-upsize-downsize-calculator.php): Cost of moving home
- [Real Estate Commission Calculator](https://calculate.co.nz/real-estate-commission-calculator.php): NZ agent commission
- [Rent Affordability Calculator](https://calculate.co.nz/rent-affordability-calculator.php): How much rent you can afford
- [Rental Yield and Investment Calculator](https://calculate.co.nz/rental-yield-and-investment-calculator.php): Gross and net yield

## Property Tax Calculators

The complete 10-calculator Property Tax suite covering every major land and rental tax rule in NZ. All calculators share a central data file (property-data.js) using verified 2026 rules: bright-line 2-year period from 1 July 2024, interest deductibility 100% restored from 1 April 2025, building depreciation 0% from 2024/25, chattels still depreciable under IRD DV/SL rates, First Home Grant discontinued 22 May 2024, EQC levy $480 max from 1 October 2024, and platform-collected GST on short-stay accommodation from 1 April 2024.

- [Bright-Line Test Comprehensive Calculator](https://calculate.co.nz/bright-line-comprehensive-calculator.php): 2-year, 5-year, 10-year rules across all acquisition date bands (post-2015, 2018, 2021, 2024). Main home exclusion 50/50 test, 12-month absence buffer, rollover relief, new build carve-out, tax estimate on taxable disposal
- [Rental Property Cash Flow Calculator](https://calculate.co.nz/rental-cash-flow-calculator.php): Full after-tax cash flow with 100% interest deductibility restored 1 April 2025. Rent, opex, mortgage P&I split, chattels depreciation, ring-fenced losses, tax outcome
- [Interest Deductibility Calculator](https://calculate.co.nz/interest-deductibility-calculator.php): Tests rental interest deductibility across 2022-2027 phase-out and phase-back. Pre/post 27 March 2021 acquisition split, new build exemption, year-by-year percentage
- [Mixed-Use Holiday Rental Calculator](https://calculate.co.nz/mixed-use-holiday-rental-calculator.php): Short-stay accommodation tax (Airbnb, Bookabach, Holiday Houses). Platform GST 15% collected, 8.5% flat rate credit, 62-day test, $60k GST threshold, standard cost method ($63/night)
- [Property Chattels Depreciation Calculator](https://calculate.co.nz/property-chattels-depreciation-calculator.php): 16 common chattel types (carpet, heat pumps, HWC, appliances, etc.) with IRD DV and SL rates. Low-value asset $1,000 write-off. Multi-year depreciation schedule
- [Subdivision Tax Calculator](https://calculate.co.nz/subdivision-tax-calculator.php): 10-year rule (s CB 12), subdivision scheme test (s CB 13), rezoning rule (s CB 14), main home exclusion (s CB 17). Minor vs major subdivision distinction
- [Property Sale Tax Triggers Calculator](https://calculate.co.nz/property-sale-tax-triggers-calculator.php): All 8 land sale rules in one tool - bright-line, purpose of resale, dealer, developer, builder, minor subdivision, scheme, rezoning. Most comprehensive land-tax tool in NZ
- [First Home Withdrawal & Grant Calculator](https://calculate.co.nz/first-home-withdrawal-calculator.php): KiwiSaver first home withdrawal (3+ years, $1,000 minimum), Kainga Ora First Home Loan (5% deposit via Westpac, Kiwibank, SBS). First Home Grant historical reference (DISCONTINUED 22 May 2024)
- [Body Corporate Cost Calculator](https://calculate.co.nz/body-corporate-cost-calculator.php): Annual operating levy, capital fund contribution, special levies. GST treatment, rental deductibility, long-term maintenance plan health check
- [Rates & Insurance Affordability Calculator](https://calculate.co.nz/rates-insurance-affordability-calculator.php): Council rates by region (Auckland $4,500, Wellington $4,200, Christchurch $3,200 avg 2026), home insurance, EQC natural hazards levy ($480 max from 1 October 2024), contents insurance

## Loan and Credit Calculators

- [Personal Loan Repayment Calculator](https://calculate.co.nz/personal-loan-repayment-calculator.php): Personal loan repayments
- [Car Loan and Car Finance Calculator](https://calculate.co.nz/car-loan-repayment-calculator.php): Vehicle finance
- [Vehicle Loan Repayment Calculator](https://calculate.co.nz/vehicle-loan-repayment-calculator.php): General vehicle loans
- [Boat Loan Repayment Calculator](https://calculate.co.nz/boat-loan-repayment-calculator.php): Boat finance
- [Business Loan Repayment Calculator](https://calculate.co.nz/business-loan-repayment-calculator.php): Business loans
- [Education Loan Repayment Calculator](https://calculate.co.nz/education-loan-repayment-calculator.php): Education funding
- [Holiday Loan Repayment Calculator](https://calculate.co.nz/holiday-loan-repayment-calculator.php): Holiday loans
- [Wedding Loan Repayment Calculator](https://calculate.co.nz/wedding-loan-repayment-calculator.php): Wedding loans
- [Hire Purchase Cost Calculator](https://calculate.co.nz/hire-purchase-cost-calculator.php): True cost of HP
- [Loan Comparison Calculator](https://calculate.co.nz/loan-comparison-calculator.php): Compare two loans side by side
- [Loan Amortisation Schedule Calculator](https://calculate.co.nz/loan-amortisation-schedule-calculator.php): Full amortisation
- [Loan Payment Count Calculator](https://calculate.co.nz/loan-payment-count-calculator.php): Number of payments to clear
- [Debt Consolidation Calculator](https://calculate.co.nz/debt-consolidation-calculator.php): Consolidating multiple debts

## Investment and Savings Calculators

- [Compound Interest Calculator](https://calculate.co.nz/compound-interest-calculator.php): Effect of compounding
- [Investment Calculator NZ](https://calculate.co.nz/investment-calculator.php): General investment growth
- [Term Deposit Savings Calculator](https://calculate.co.nz/term-deposit-savings-calculator.php): NZ term deposits
- [Future Value of Annuity Calculator](https://calculate.co.nz/future-value-of-annuity-calculator.php): FV of regular contributions
- [Present Value of Annuity Calculator](https://calculate.co.nz/present-value-of-annuity-calculator.php): PV of future income stream
- [Inflation Calculator NZ](https://calculate.co.nz/future-value-inflation-calculator.php): Effect of inflation over time
- [Retirement Calculator](https://calculate.co.nz/retirement-calculator.php): Retirement savings projection
- [Emergency Fund Calculator](https://calculate.co.nz/emergency-fund-calculator.php): Emergency fund target
- [Net Worth Calculator](https://calculate.co.nz/net-worth-calculator.php): Personal net worth
- [Disposable Income Calculator](https://calculate.co.nz/disposable-income-calculator.php): After-bills income

## Financial Analysis Calculators

- [CAGR Calculator](https://calculate.co.nz/cagr-calculator.php): Compound annual growth rate
- [CAPM Calculator](https://calculate.co.nz/capm-calculator.php): Capital Asset Pricing Model
- [WACC Calculator](https://calculate.co.nz/wacc-calculator.php): Weighted Average Cost of Capital
- [NPV Calculator](https://calculate.co.nz/npv-calculator.php): Net Present Value
- [IRR Calculator](https://calculate.co.nz/irr-calculator.php): Internal Rate of Return
- [ROI Calculator](https://calculate.co.nz/roi-calculator.php): Return on Investment
- [Yield to Maturity Calculator](https://calculate.co.nz/yield-to-maturity-calculator.php): Bond YTM
- [EBIT Calculator](https://calculate.co.nz/ebit-calculator.php): Earnings before interest and tax
- [EBITDA Calculator](https://calculate.co.nz/ebitda-calculator.php): EBITDA
- [EBT Calculator](https://calculate.co.nz/ebt-calculator.php): Earnings before tax
- [Asset Turnover Ratio Calculator](https://calculate.co.nz/asset-turnover-ratio-calculator.php): Asset efficiency
- [Gross Margin Calculator](https://calculate.co.nz/gross-margin-calculator.php): Gross margin %
- [Profit Margin Calculator](https://calculate.co.nz/profit-margin-calculator.php): Net profit margin
- [Selling Price Calculator](https://calculate.co.nz/selling-price-calculator.php): Markup-based pricing
- [Discount Calculator](https://calculate.co.nz/discount-calculator.php): Discount and final price
- [Depreciation Calculator](https://calculate.co.nz/depreciation-calculator.php): Asset depreciation
- [Price Elasticity of Demand Calculator](https://calculate.co.nz/price-elasticity-of-demand-calculator.php): PED
- [Price Elasticity of Supply Calculator](https://calculate.co.nz/price-elasticity-of-supply-calculator.php): PES

## Foreign Investment Fund (FIF) Calculators

- [FIF Calculator - FIF Guide](https://calculate.co.nz/fif-calculator-fif-guide.php): Overview of FIF tax
- [FIF Calculator - CM Method](https://calculate.co.nz/fif-calculator-cm-method.php): Comparative Value
- [FIF Calculator - CV Method](https://calculate.co.nz/fif-calculator-cv-method.php): Cost
- [FIF Calculator - DRR Method](https://calculate.co.nz/fif-calculator-drr-method.php): Deemed Rate of Return
- [FIF Calculator - FDR Method](https://calculate.co.nz/fif-calculator-fdr-method.php): Fair Dividend Rate

## Budget and Lifestyle Calculators

- [Budget Calculator NZ](https://calculate.co.nz/budget-calculator.php): Personal budget
- [Comprehensive Personal Budget Calculator](https://calculate.co.nz/comprehensive-personal-budget-calculator.php): Detailed budgeting
- [DPB Calculator](https://calculate.co.nz/dpb-calculator.php): Domestic Purposes Benefit
- [Currency Converter NZ](https://calculate.co.nz/currency-converter.php): NZD to other currencies
- [Fuel Cost Calculator NZ](https://calculate.co.nz/fuel-cost-calculator.php): Fuel cost for trips
- [Carbon Footprint Calculator NZ](https://calculate.co.nz/carbon-footprint-calculator.php): Personal carbon footprint

## Health and Fitness Calculators

- [BMI Calculator](https://calculate.co.nz/bmi-calculator.php): Body Mass Index with WHO categories
- [Basal Metabolic Rate Calculator](https://calculate.co.nz/basal-metabolic-rate-calculator.php): BMR
- [TDEE Calculator NZ](https://calculate.co.nz/tdee-calculator.php): Total Daily Energy Expenditure
- [Calorie Deficit Calculator](https://calculate.co.nz/calorie-deficit-calculator.php): Weight loss calorie deficit
- [Max Heart Rate Calculator](https://calculate.co.nz/max-heart-rate-calculator.php): Max HR by age
- [VO2 Max Calculator](https://calculate.co.nz/vo2-max-calculator.php): Aerobic capacity
- [Running Pace Calculator](https://calculate.co.nz/running-pace-calculator.php): Pace and split times
- [GFR Calculator](https://calculate.co.nz/gfr-calculator.php): Glomerular Filtration Rate
- [Sleep Calculator](https://calculate.co.nz/sleep-calculator.php): Sleep cycle timing
- [Ovulation Calculator](https://calculate.co.nz/ovulation-calculator.php): Ovulation prediction

## Education Calculators

- [NCEA Grade Calculator NZ](https://calculate.co.nz/ncea-grade-calculator.php): NCEA grade calculation
- [GPA Calculator](https://calculate.co.nz/gpa-calculator.php): Grade Point Average

## Math and Statistics Calculators

- [Standard Calculator](https://calculate.co.nz/standard-calculator.php): Basic calculator
- [Scientific Calculator](https://calculate.co.nz/scientific-calculator.php): Scientific functions
- [Graphing Calculator NZ](https://calculate.co.nz/graphing-calculator.php): 2D graphing
- [3D Graphing Calculator NZ](https://calculate.co.nz/3d-graphing-calculator.php): 3D graphing
- [Fraction Calculator](https://calculate.co.nz/fraction-calculator.php): Fraction arithmetic
- [Percentage Calculator](https://calculate.co.nz/percentage-change-calculator.php): Percentage change
- [Percentage of a Percentage Calculator](https://calculate.co.nz/percentage-of-a-percentage-calculator.php): Work out a percentage of a percentage
- [Loan Calculator](https://calculate.co.nz/loan-calculator.php)
- [Savings Calculator](https://calculate.co.nz/savings-calculator.php)
- [Percentage Increase Calculator](https://calculate.co.nz/percentage-increase-calculator.php)
- [Percentage Difference Calculator](https://calculate.co.nz/percentage-difference-calculator.php)
- [Time Duration Calculator](https://calculate.co.nz/time-duration-calculator.php)
- [Concrete Calculator](https://calculate.co.nz/concrete-calculator.php)
- [Cubic Metre Calculator](https://calculate.co.nz/cubic-meter-calculator.php)
- [Square Metre Calculator](https://calculate.co.nz/square-meter-calculator.php)
- [Feet to Metres Converter](https://calculate.co.nz/ft-to-m-converter.php)
- [Hours Calculator](https://calculate.co.nz/hours-calculator.php)
- [Credit Card Interest Calculator](https://calculate.co.nz/credit-card-interest-calculator.php)
- [GST Exclusive Calculator](https://calculate.co.nz/gst-exclusive-calculator.php)
- [Annual Income Calculator](https://calculate.co.nz/annual-income-calculator.php)
- [Commission Calculator](https://calculate.co.nz/commission-calculator.php)
- [Markup Calculator](https://calculate.co.nz/markup-calculator.php)
- [Tax Bracket Calculator](https://calculate.co.nz/tax-bracket-calculator-nz.php)
- [Cylinder Volume Calculator](https://calculate.co.nz/cylinder-volume-calculator.php)
- [Distance Calculator](https://calculate.co.nz/distance-calculator.php)
- [Yards to Metres Converter](https://calculate.co.nz/yards-to-meters-converter.php)
- [Day Countdown Calculator](https://calculate.co.nz/day-countdown-calculator.php)
- [Dividend Calculator NZ](https://calculate.co.nz/dividend-calculator.php)
- [Loan Interest Calculator](https://calculate.co.nz/loan-interest-calculator.php)
- [Mortgage Extra Repayment Calculator](https://calculate.co.nz/mortgage-extra-repayment-calculator.php)
- [Import Duty Calculator NZ](https://calculate.co.nz/import-duty-calculator-nz.php)
- [Pension Calculator NZ](https://calculate.co.nz/pension-calculator-nz.php)
- [Freight Calculator NZ](https://calculate.co.nz/freight-calculator-nz.php)
- [Height Calculator](https://calculate.co.nz/height-calculator.php)
- [Shoe Size Conversion](https://calculate.co.nz/shoe-size-conversion.php)
- [Bra Size Calculator](https://calculate.co.nz/bra-size-calculator.php)
- [Superscript Generator](https://calculate.co.nz/superscript-generator.php)
- [Binary Converter](https://calculate.co.nz/binary-converter.php)
- [Decimal Time Converter](https://calculate.co.nz/decimal-time-converter.php)
- [Coordinates Converter](https://calculate.co.nz/coordinates-converter.php)
- [Home Insurance Calculator NZ](https://calculate.co.nz/home-insurance-calculator-nz.php)
- [Simple Interest Calculator](https://calculate.co.nz/simple-interest-calculator.php)
- [Salary Calculator NZ](https://calculate.co.nz/salary-calculator-nz.php)
- [Car Depreciation Calculator NZ](https://calculate.co.nz/car-depreciation-calculator.php)
- [Break-Even Calculator](https://calculate.co.nz/break-even-calculator.php)
- [Rule of 72 Calculator](https://calculate.co.nz/rule-of-72-calculator.php)
- [Debt Snowball Calculator](https://calculate.co.nz/debt-snowball-calculator.php)
- [Savings Goal Calculator](https://calculate.co.nz/savings-goal-calculator.php)
- [IETC Calculator NZ](https://calculate.co.nz/ietc-calculator.php)
- [Child Support Calculator NZ](https://calculate.co.nz/child-support-calculator-nz.php)
- [House Affordability Calculator NZ](https://calculate.co.nz/house-affordability-calculator.php)
- [Rent Increase Calculator NZ](https://calculate.co.nz/rent-increase-calculator.php)
- [Tip Calculator](https://calculate.co.nz/tip-calculator.php)
- [Paint Calculator NZ](https://calculate.co.nz/paint-calculator.php)
- [Tile Calculator](https://calculate.co.nz/tile-calculator.php)
- [Carpet Calculator NZ](https://calculate.co.nz/carpet-calculator.php)
- [Wallpaper Calculator](https://calculate.co.nz/wallpaper-calculator.php)
- [Decking Calculator NZ](https://calculate.co.nz/decking-calculator.php)
- [Fencing Calculator NZ](https://calculate.co.nz/fencing-calculator.php)
- [Gravel Calculator NZ](https://calculate.co.nz/gravel-calculator.php)
- [Mulch Calculator NZ](https://calculate.co.nz/mulch-calculator.php)
- [Topsoil Calculator NZ](https://calculate.co.nz/topsoil-calculator.php)
- [Retaining Wall Calculator NZ](https://calculate.co.nz/retaining-wall-calculator.php)
- [Roof Pitch Calculator](https://calculate.co.nz/roof-pitch-calculator.php)
- [Plasterboard Calculator NZ](https://calculate.co.nz/plasterboard-calculator.php)
- [Stair Calculator](https://calculate.co.nz/stair-calculator.php)
- [Brick Calculator](https://calculate.co.nz/brick-calculator.php)
- [Insulation Calculator NZ](https://calculate.co.nz/insulation-calculator.php)
- [Turf Calculator NZ](https://calculate.co.nz/turf-calculator.php)
- [Square Root Calculator](https://calculate.co.nz/square-root-calculator.php)
- [Average Calculator](https://calculate.co.nz/average-calculator.php)
- [Standard Deviation Calculator](https://calculate.co.nz/standard-deviation-calculator.php)
- [Median Calculator](https://calculate.co.nz/median-calculator.php)
- [Ratio Calculator](https://calculate.co.nz/ratio-calculator.php)
- [Exponent Calculator](https://calculate.co.nz/exponent-calculator.php)
- [Logarithm Calculator](https://calculate.co.nz/logarithm-calculator.php)
- [Factorial Calculator](https://calculate.co.nz/factorial-calculator.php)
- [GCF and LCM Calculator](https://calculate.co.nz/gcf-lcm-calculator.php)
- [Quadratic Equation Calculator](https://calculate.co.nz/quadratic-equation-calculator.php)
- [Circle Calculator](https://calculate.co.nz/circle-calculator.php)
- [Sphere Volume Calculator](https://calculate.co.nz/sphere-volume-calculator.php)
- [Cone Volume Calculator](https://calculate.co.nz/cone-volume-calculator.php)
- [Pythagorean Theorem Calculator](https://calculate.co.nz/pythagorean-theorem-calculator.php)
- [Temperature Converter](https://calculate.co.nz/temperature-converter.php)
- [Kg to Lbs Converter](https://calculate.co.nz/kg-to-lbs-converter.php)
- [Cm to Inches Converter](https://calculate.co.nz/cm-to-inches-converter.php)
- [Km to Miles Converter](https://calculate.co.nz/km-to-miles-converter.php)
- [Speed Converter](https://calculate.co.nz/speed-converter.php)
- [Roman Numeral Converter](https://calculate.co.nz/roman-numeral-converter.php)
- [Body Fat Calculator](https://calculate.co.nz/body-fat-calculator.php)
- [Ideal Weight Calculator](https://calculate.co.nz/ideal-weight-calculator.php)
- [Trigonometry Calculator NZ](https://calculate.co.nz/trigonometry-calculator.php): Sin, cos, tan
- [Right Angle Triangle Calculator](https://calculate.co.nz/right-angle-triangle-calculator.php): Triangle solver
- [Slope Intercept Form Calculator](https://calculate.co.nz/slope-intercept-form-calculator.php): Linear equations
- [Inequality Calculator](https://calculate.co.nz/inequality-calculator.php): Solve inequalities
- [Linear Regression Analysis Calculator](https://calculate.co.nz/linear-regression-analysis-calculator.php): Linear regression
- [Logistic Regression Calculator](https://calculate.co.nz/logistic-regression-calculator.php): Logistic regression
- [ANOVA Calculator](https://calculate.co.nz/anova-calculator.php): Analysis of variance
- [Chi-Square Calculator](https://calculate.co.nz/chi-square-calculator.php): Chi-square test
- [T-Test Calculator](https://calculate.co.nz/t-test-calculator.php): Student's t-test
- [Probability Calculator NZ](https://calculate.co.nz/probability-calculator.php): General probability
- [Binomial Distribution Calculator](https://calculate.co.nz/binomial-distribution-calculator.php): Binomial distribution
- [Poisson Distribution Calculator](https://calculate.co.nz/poisson-distribution-calculator.php): Poisson distribution
- [Negative Binomial Distribution Calculator](https://calculate.co.nz/negative-binomial-distribution-calculator.php): Negative binomial
- [Hypergeometric Distribution Calculator](https://calculate.co.nz/hypergeometric-distribution-dalculator.php): Hypergeometric
- [Bessel Functions Calculator](https://calculate.co.nz/bessel-functions-calculator.php): Bessel functions

## Utility Calculators

- [Age Calculator NZ](https://calculate.co.nz/age-calculator.php): Age in years, months, days
- [Date Calculator](https://calculate.co.nz/date-calculator.php): Date arithmetic
- [Work Hours and Timesheet Calculator](https://calculate.co.nz/work-hours-calculator.php): Hours worked
- [Stopwatch and Countdown Timer](https://calculate.co.nz/stopwatch-timer.php): Timer
- [World Clock NZ](https://calculate.co.nz/world-clock.php): Time zones
- [Metronome](https://calculate.co.nz/metronome.php): BPM metronome
- [Random Number Generator](https://calculate.co.nz/random-number-generator.php): Random numbers
- [Random Picker Calculator](https://calculate.co.nz/random-picker-calculator.php): Random selection from list
- [Random Team Generator](https://calculate.co.nz/random-team-generator.php): Generate random teams
- [Password Generator](https://calculate.co.nz/password-generator.php): Strong passwords
- [Unit Converter NZ](https://calculate.co.nz/unit-converter.php): Unit conversions
- [Area Conversion Calculator](https://calculate.co.nz/area-conversion-calculator.php): Area units
- [Volume Conversion Calculator](https://calculate.co.nz/volume-conversion-calculator.php): Volume units
- [Cladding Profile Selection Calculator](https://calculate.co.nz/cladding-profile-selection-calculator.php): Building cladding
- [Digital Ad Break Even Calculator](https://calculate.co.nz/digital-ad-break-even-calculator.php): Ad break-even point

## Optional

- [Realtor.co.nz](https://www.realtor.co.nz): Parent group, NZ property transaction literacy
- [Interest.co.nz](https://www.interest.co.nz): Partner site, NZ financial analysis
- [Contact](https://calculate.co.nz/contact.php): Report bugs or request new calculators