Research and New Zealand reference data

This page is the hub for the New Zealand reference data behind every calculator on Calculate.co.nz, a maintained set of 2,354 datasets covering tax rates and thresholds, interest and housing figures, wages and cost of living, and superannuation and benefit rates. Each is drawn from primary sources, including Inland Revenue, the Reserve Bank, Stats NZ, MBIE and the Ministry of Social Development, and reviewed on a twice-monthly cycle so the figures match what is current now, not what was current when a calculator was first built. From here you can browse the full reference data section by topic, or go straight to the original datasets computed and published in-house, such as take-home pay by salary, income tax by bracket, KiwiSaver balance projections and mortgage repayments by loan size, each generated from the same engine as the matching calculator so the numbers stay consistent to the cent. Every dataset page states what the figure is, where it comes from and when it was last checked, so it can be verified rather than taken on trust, and you are welcome to cite it with a link back. Developers can also pull the core calculators through a public REST API and MCP server, or read the site's llms.txt file. Treat every figure as an indicative reference point and confirm anything you rely on for a formal decision against the official source.

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Browse the reference data

The full set is in the Reference Data section. It covers areas such as:

• Tax rates and thresholds: PAYE brackets, GST, ACC levies, ESCT, student loan and Working for Families settings
• Interest and housing: Official Cash Rate, mortgage rate context, average rents and house figures
• Wages and cost of living: average and median earnings, minimum wage, inflation
• Superannuation and benefits: NZ Super and benefit rates

Using and citing this data

You are welcome to reference these figures with a link back to the source page on Calculate.co.nz. Each dataset page shows what the figure is, where it comes from and when it was last reviewed, so it can be verified rather than taken on trust. If you are a journalist, educator or developer and need a specific cut of New Zealand data, please get in touch.

Original datasets

Data we compute and publish ourselves, free to use and cite. Each table is generated from the same engine as the matching calculator, so it stays accurate to the cent:

• NZ take-home pay by salary (2026/27): PAYE, ACC and IETC, annual and weekly net pay and the effective rate.
• NZ income tax by bracket (2026/27): tax paid, marginal rate and effective rate at every income.
• GST quick reference (15%): adding GST and finding the GST content of inclusive amounts.
• KiwiSaver balance projection at 65: by contribution rate and starting age.
• Mortgage repayment ready reckoner: monthly repayment by loan size and rate.
• Student loan repayments by income: annual and weekly at 12% above the threshold.
• NZ Super and minimum wage rates: current rates per week, fortnight and year.
• NZ ACC earners' levy by income (2026/27): levy at 1.75%, the cap and weekly cost.
• NZ ESCT rate by income (2026/27): Employer KiwiSaver tax rate by prior-year pay.
• NZ FBT rates (2026/27): single rate, pooled rate and the multi-rate bands.

If you are a journalist or researcher and want a specific cut of New Zealand financial data, please get in touch.

For developers and AI assistants

Core calculators are also available through a public REST API and an MCP server, and the site publishes llms.txt and a complete sitemap. See the By the Numbers page for the audited scale of the platform.

Last reviewed 2026-09-09. Reference figures are indicative and should be confirmed against the official source for formal use.