Every page starting with S
370 pages, in alphabetical order, each with the description it carries. A page filed under its own name rather than a prefix: a suburb page sorts by the suburb, and a title beginning with NZ sorts by the word after it.
Nothing on this letter matches that. Try the full A to Z.
-
SaaS Billings Calculator
Calculate SaaS billings from recognised revenue plus the change in deferred revenue. A clear cash facing metric for NZ subscription finance teams.
-
SaaS Bookings Calculator
Add new, renewal and expansion contract value to get total SaaS bookings for a period. A clear forward looking metric for NZ subscription sales teams.
-
SaaS Gross Margin Calculator
Calculate your SaaS gross margin from revenue and cost of goods sold, including hosting and support.
-
SaaS Magic Number Calculator
Calculate your SaaS magic number from net new ARR and prior-quarter sales and marketing spend. Measure go-to-market efficiency and see whether to scale spend.
-
SaaS Pricing & MRR Calculator NZ 2026
Model your SaaS metrics: monthly and annual recurring revenue, average customer lifetime from churn, and customer lifetime value.
-
SaaS Quick Ratio Calculator
Calculate the SaaS Quick Ratio from new and expansion MRR against churned and contraction MRR. Measure how efficiently your revenue grows versus the revenue you lose.
-
SaaS Win Rate Calculator
Work out your sales win rate from deals won and total opportunities. See the percentage of deals you close and the number you lost, instantly.
-
Housing in Saddle Hill-Chain Hills
What housing costs in Saddle Hill-Chain Hills, Dunedin City: median weekly rent $510, the ownership and renting split, and household income, from the 2023 Census.
-
Safe Withdrawal Rate Calculator NZ
Work out the sustainable income from a retirement pot in New Zealand using a safe withdrawal rate such as the 4% rule, shown per year, month and week.
-
Safety Factor Calculator
Calculate the factor of safety from a material's strength and the applied stress or load. Free safety factor calculator with the formula and how to read the result.
-
Housing in Saint Andrews East
What housing costs in Saint Andrews East, Hamilton City: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Andrews West
What housing costs in Saint Andrews West, Hamilton City: median weekly rent $460, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Heliers North
What housing costs in Saint Heliers North, Auckland: median weekly rent $750, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Heliers South
What housing costs in Saint Heliers South, Auckland: median weekly rent $650, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Heliers West
What housing costs in Saint Heliers West, Auckland: median weekly rent $750, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Johns East
What housing costs in Saint Johns East, Auckland: median weekly rent $510, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Johns West
What housing costs in Saint Johns West, Auckland: median weekly rent $795, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Saint Marys Bay
What housing costs in Saint Marys Bay, Auckland: median weekly rent $600, the ownership and renting split, and household income, from the 2023 Census.
-
Salary Calculator NZ
Free NZ salary calculator. Convert a salary or wage between hourly, daily, weekly, fortnightly, monthly, and annual amounts. Gross pay across every pay period.
-
Salary Plus Self-Employed Tax Calculator NZ 2026
The extra tax side income really attracts, why PAYE on salary alone under-withholds, and the percentage to hold back. Free NZ tool.
-
NZ Salary Sacrifice Calculator 2026
Does salary sacrifice benefit you? KiwiSaver, vehicle and benefit packaging modelled to after-tax take-home, before and after. 2026/27.
-
Salary to Contract Rate Calculator NZ 2026/27
The day or hourly rate that replaces a salary, once employer KiwiSaver, ACC, unpaid leave and public holidays are added back. NZ.
-
NZ Salary vs Dividend Calculator 2026
Salary against dividends from your company: total tax under each and the optimal mix for your income level. Updated 2026/27, NZ.
-
The Sale and Purchase Agreement
What a sale and purchase agreement is when buying property in New Zealand, the key parts, conditions, deposit and settlement, and why legal advice before signing matters.
-
Sales Commission Calculator
Work out sales commission from total sales, a commission rate and an optional threshold. See commission earned and the sales that qualified, instantly.
-
Sales Cycle Length Calculator
Work out your average sales cycle length from total days across deals and the number of deals closed. See the mean number of days from lead to close.
-
Sales Efficiency Calculator
Work out sales efficiency from new ARR and sales and marketing spend. See the gross magic number and the dollars of new ARR earned per dollar spent.
-
Sales Tax Calculator
Add a sales tax rate to a price or extract the tax from a tax inclusive amount. See the tax and the total or net figure instantly.
-
Sales, trade-ins and refunds: what NZ households spend per week
What New Zealand households really spend on sales, trade-ins and refunds each week, from the Stats NZ Household Economic Survey 2023, broken down by region, household...
-
Sample Size Calculator
Calculate the required sample size for a survey or study given a confidence level, margin of error and estimated proportion. Returns n with formula and worked example.
-
Sample Size for a Proportion Calculator
Calculate the sample size needed to estimate a proportion to a target margin of error, with an optional finite population correction. Choose the confidence level.
-
Housing in Sandon
What housing costs in Sandon, Manawatu District: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sandringham Central
What housing costs in Sandringham Central, Auckland: median weekly rent $505, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sandringham East
What housing costs in Sandringham East, Auckland: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sandringham North
What housing costs in Sandringham North, Auckland: median weekly rent $540, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sandringham West
What housing costs in Sandringham West, Auckland: median weekly rent $560, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sandspit
What housing costs in Sandspit, Auckland: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Saving a Deposit
Why 20% matters, LVR, the deposit sources from KiwiSaver to gifts, the hidden purchase costs and stress testing your plan. NZ.
-
Saving and investing questions, answered
Compound interest, managed funds and fee drag, term deposits, shares and dividends, and what a return really nets you.
-
Saving for a House Deposit Guide
How to save a house deposit in New Zealand: how much you need, using KiwiSaver, the low-deposit First Home Loan, and building a realistic savings timeline to your goal.
-
Savings Account Interest Calculator NZ
Work out the interest you earn on an on-call savings account balance in New Zealand, before and after RWT.
-
Savings Calculator NZ
Free NZ savings calculator. See how a starting balance plus regular deposits grows with interest over time. Shows final balance, total contributions, and interest earned.
-
Savings Contributions: what NZ households spend per week
What New Zealand households spend on savings contributions each week, from the Stats NZ Household Economic Survey 2023, with every survey year since 2007 and what the...
-
Savings Goal Calculator
Free savings goal calculator. Work out how much to save each month to reach a target by a set date, including the interest your savings earn along the way.
-
Savings Rate Calculator NZ
Work out what percentage of your income you actually save, the most powerful number in personal finance, and see how lifting it brings your goals forward.
-
Savings To Investment Switch Calculator NZ 2026/27
Free NZ calculator showing the horizon at which moving money from savings into a fund stops being a gamble.
-
Housing in Savonna
What housing costs in Savonna, Auckland: median weekly rent $770, the ownership and renting split, and household income, from the 2023 Census.
-
Scale Calculator
Free scale calculator. Convert between real and scaled lengths for maps and models using a 1:N ratio, with a unit selector and a clear plain-words result.
-
Scammed? How to Get Your Money Back in NZ
Scammed in NZ? The fast first steps to recover money: recall the payment, report to your bank, Netsafe, Police 105 and the NCSC, plus chargebacks and reimbursement.
-
Scams Targeting Young New Zealanders
Scams aimed at young Kiwis: social media investment schemes, fake job ads, phishing texts, money mules and how to spot and report them.
-
Scams, fraud and staying safe
Twelve steps through the scams operating in New Zealand now, including AI voice cloning, and the first three things to do in the hour after it happens.
-
NZ Schedular Payments Calculator (WT Tax for Contractors)
Free NZ schedular payments calculator (WT tax) for contractors. Calculates withholding tax for company directors, commission, modelling, sport, entertainment, etc.
-
Schedular Payments Explained
What schedular payments are in New Zealand, who they apply to, how withholding tax works for contractors, choosing your tax rate, and what they do not cover.
-
Housing in Schnapper Rock
What housing costs in Schnapper Rock, Auckland: median weekly rent $750, the ownership and renting split, and household income, from the 2023 Census.
-
School Costs Calculator NZ
Estimate the annual cost of schooling a child in New Zealand, from donations, uniforms and stationery to devices, trips and activities.
-
School Costs: what NZ households spend per week
What New Zealand households spend on school costs each week, from the Stats NZ Household Economic Survey 2023, with every survey year since 2007 and what the category...
-
NZ School Holidays 2026 and 2027
The next NZ school holidays run 26 September to 11 October 2026. Every 2026 and 2027 term date and break, from the Ministry of Education.
-
School Zone Distance Calculator NZ 2026
Measure the straight-line distance from your home to a school in New Zealand using coordinates, with walking and cycling time estimates.
-
Science & Engineering Calculators NZ
Every free science and engineering calculator: physics and mechanics, chemistry, and electrical tools. Shows the formula and working, no sign-up.
-
Scientific Calculator
Free online scientific calculator with trigonometry (sin, cos, tan), logarithms, exponents, square root, powers, and memory functions.
-
Scientific Notation Calculator
Any number to scientific notation and back: coefficient, exponent, order of magnitude and engineering notation instantly.
-
Scientific Notation Converter
Convert between scientific notation and standard decimal form, in either direction. Enter 4.5e-5 to get 0.000045, or 123000000 to get 1.23e8.
-
Scientific to Decimal Notation Converter
Convert scientific notation to decimal notation and back. Enter a coefficient and exponent (a x 10^n) to see the full decimal number.
-
Screen Ratio Calculator
Free screen ratio calculator. Enter width and height in pixels to find the exact aspect ratio, simplified ratio, and closest standard ratio (16:9, 4:3, 21:9).
-
Seasonal Business Cashflow Calculator NZ 2026
Project a seasonal year month by month: whether the high season covers the low one, the lowest point your cash reaches, and the opening buffer needed to get through.
-
Seat Utilisation Calculator
Work out seat utilisation from active and purchased seats. See your utilisation percentage and the number of idle seats you are paying for, instantly.
-
Housing in Seatoun
What housing costs in Seatoun, Wellington City: median weekly rent $750, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Seaview
What housing costs in Seaview, Timaru District: median weekly rent $338, the ownership and renting split, and household income, from the 2023 Census.
-
Secant Calculator
Free secant calculator. Enter an angle in degrees or radians to get the secant. Includes the formula, the angle in both units, and a worked example.
-
Second Fridge Cost Calculator NZ
What that old second fridge in the garage costs a year: older units are power hungry and the yearly figure surprises. NZ.
-
Second Income Budget Calculator NZ
Budget a household's combined income with the second earner's tax correctly applied in New Zealand.
-
NZ Secondary Income Tax Calculator 2026
Find the correct NZ secondary tax code for your second job, freelance work, or investment income.
-
Secondary Tax and a Second Job
How secondary tax works in New Zealand: why a second job is taxed differently, choosing the right secondary tax code, and the end-of-year square-up.
-
Secondary Tax Code Calculator NZ
Find the right secondary tax code for your second job in New Zealand, based on your total income. Get the correct code (SB, S, SH, ST or SA) and the tax rate.
-
Secondary Tax Codes Explained
Secondary tax codes in New Zealand explained: SB, S, SH, ST and SA, the rates for 2026/27, the myth that secondary tax is extra tax, the year-end square-up.
-
Section Plus Build Total Cost Calculator NZ
Add up the true total cost of buying a section and building a house in New Zealand: land, build, site works, consents, driveway and landscaping, and a contingency.
-
Sector Exposure Calculator NZ 2026/27
Sector exposure summed across funds: the combined weights you actually hold, the effective sector count, and your biggest single risk. NZ.
-
Housing in Seddon Park
What housing costs in Seddon Park, Dunedin City: median weekly rent $220, the ownership and renting split, and household income, from the 2023 Census.
-
Self-Employed ACC Levy Calculator NZ
Estimate your ACC levies as a self-employed person or sole trader in New Zealand, including the earners levy and the work levy.
-
Self-Employed Emergency Fund Calculator NZ 2026
Size a self-employed emergency fund from your own income volatility, fixed costs and the tax you still owe, instead of the generic three to six months rule.
-
Self-Employed KiwiSaver Calculator NZ 2026/27
Free NZ calculator for self-employed KiwiSaver members. Work out the voluntary contribution needed to get the full $260.72 government top-up, and its long-term value.
-
Self-Employed Parental Leave Calculator NZ 2026
Work out paid parental leave as a self-employed person in NZ: both averaging methods, the $811.05 maximum, the $239.50 self-employed minimum and 26 weeks of payments.
-
Self-Employed Replacement Income Calculator NZ 2026
The self-employed income that replaces a salary, pricing lost leave, holidays, employer KiwiSaver and extra ACC into a day rate. NZ.
-
Self-Employed Take-Home Calculator NZ
See what sole traders and the self-employed really keep after income tax and ACC levies on business profit in New Zealand.
-
Self-Employed Tax - Getting Started Right (NZ)
When you become self-employed: setting aside tax, provisional tax, the GST threshold, records and ACC, with a freelancer scenario. NZ.
-
Sell First vs Buy First Calculator NZ 2026
Rent, storage and a double move against bridging finance and two homes: the break-even market movement that decides it. NZ.
-
Sell Now vs Rent It Out Calculator NZ 2026/27
Free NZ calculator comparing selling your home now and investing the proceeds against keeping it as a rental.
-
Sell Shares to Buy a House vs Keep Calculator NZ
Selling shares for a bigger deposit against keeping them and borrowing more: expected growth against extra mortgage interest. NZ.
-
Seller Offer Comparison Calculator NZ
The highest offer is not always best: compare up to three on price, completion chance, settlement date and the cost of a failure.
-
Seller's Discretionary Earnings Calculator NZ 2026/27
Reported profit restated to SDE and adjusted EBITDA: owner salary, personal expenses, interest and one-offs added back. Free NZ tool.
-
Selling a home questions, answered
Agent commission and what it covers, auctions and marketing, appraisals, settlement, and what is left after a sale.
-
Selling a Tenanted Property Calculator NZ 2026
Selling with tenants in place, the 42 day vacant possession notice, or 90 days to end the tenancy first: rent kept against rent lost. NZ.
-
Selling Online and Tax
When selling on online marketplaces is taxable in New Zealand: personal items versus buying to resell, the profit test, GST at $60,000, and provisional tax.
-
Selling Price Calculator
Calculate the selling price from a listed price and discount rate, or find the discount rate from two prices.
-
Selling Privately vs an Agent
Selling your house privately or through a licensed agent in New Zealand: commission and GST, listing fees, agency agreements, consumer protections and net proceeds.
-
Selling your home
Fourteen steps through selling a New Zealand home: costs, agency agreements, pricing, marketing, offers, chattels and settlement, each with a calculator.
-
Housing in Selwyn Heights
What housing costs in Selwyn Heights, Rotorua District: median weekly rent $440, the ownership and renting split, and household income, from the 2023 Census.
-
Sending Money Overseas
The advertised fee is rarely the real cost. How the exchange rate margin works, why Pacific corridors cost more, and the one comparison that actually works.
-
Separation and Divorce NZ
Relationship property under the PRA, the 50/50 split, KiwiSaver division, child support, the family home and contracting out. NZ.
-
Separation Asset Split Calculator NZ
Get an indicative split of relationship property on separation in New Zealand, based on the general equal-sharing principle.
-
Sequence Of Returns Risk Calculator NZ 2026/27
The same returns in a different order leave one retiree broke and another comfortable. See sequence risk on your own numbers. NZ.
-
Serial Dilution Calculator NZ
Calculate the concentration at each step of a serial dilution from the stock concentration, dilution factor and number of steps. For chemistry and microbiology.
-
Series and Parallel Resistance Calculator
Calculate total resistance for up to 6 resistors wired in series or parallel. Shows the formula used, total ohms, and equivalent circuit resistance instantly.
-
Series Sum Calculator
Calculate the sum of a geometric or arithmetic series. Enter first term, common ratio or difference, and number of terms.
-
Service Anniversary Leave Calculator NZ 2026
Extra leave earned by length of service: tenure bands and extra days give total days, annual cost and the balance sheet liability. NZ.
-
Service Fee True Cost Calculator NZ 2026
Free NZ calculator turning a headline business service fee into what it actually costs you, after the GST claim and the tax deduction.
-
Set Intersection Calculator
Free set intersection calculator. Enter two sets to get their intersection, the elements common to both, with the sizes.
-
Set Union Calculator
Free set union calculator. Enter two sets of values to get their union, every element that is in either set, with the sizes.
-
Settlement Apportionment Calculator NZ
How rates, water and body corporate levies split between vendor and purchaser on settlement day, and who owes whom. NZ.
-
Settlement Day for Sellers in NZ
The seller's side of settlement in New Zealand: the pre-settlement inspection, rates apportionment, vacant possession, keys and what happens if settlement is late.
-
Settlement Funds Shortfall Calculator NZ
Work out exactly what your solicitor needs in the trust account on settlement day, against what you actually have.
-
Housing in Shannon
What housing costs in Shannon, Horowhenua District: median weekly rent $280, the ownership and renting split, and household income, from the 2023 Census.
-
Share Investor vs Trader Tax Calculator NZ
Understand when share gains may be taxable in New Zealand, the difference between investing and trading, and how the FIF rules can apply to overseas shares.
-
Shareholder Loan FBT Calculator NZ 2026
Free NZ calculator: should your close company charge interest on an overdrawn shareholder current account, or pay FBT?
-
Shareholder Salary Calculator NZ
Estimate the income tax on a New Zealand shareholder-employee salary, and compare taking company profit as salary against retaining it at the 28 percent company rate.
-
Sharemilking Income Calculator NZ
Sharemilker and owner income from any share percentage, with the costs each side carries, both parties shown at once. NZ.
-
Shares vs Managed Funds
Direct shares versus managed funds in New Zealand: how each works, the effort, cost, and diversification involved, and which suits different investors.
-
Shares vs Property Calculator NZ
Compare the long-run growth of investing in shares against a rental property in New Zealand, including leverage on property.
-
Sharesies and Hatch FX Cost Calculator NZ
Work out the transaction and foreign exchange fees when buying US shares through Sharesies, Hatch or similar in New Zealand.
-
Sharesies Fee Comparison Calculator NZ
Compare Sharesies percentage fees against a flat-fee broker in New Zealand for your order size and trade frequency, including foreign exchange costs.
-
Shear Stress Calculator NZ
Calculate the shear stress in a bolt or pin from the applied force and diameter, for single or double shear. See the shear area and stress in MPa.
-
Sheep Gestation Calculator NZ
Enter the mating or tupping date and breed to estimate your ewe's lambing date, with an earliest to latest likely window either side.
-
Housing in Shelly Park
What housing costs in Shelly Park, Auckland: median weekly rent $624, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sherenden-Crownthorpe
What housing costs in Sherenden-Crownthorpe, Hastings District: median weekly rent $300, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sherwin Park
What housing costs in Sherwin Park, Waipa District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sherwood Rise
What housing costs in Sherwood Rise, Whangarei District: median weekly rent $418, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Shiel Hill
What housing costs in Shiel Hill, Dunedin City: median weekly rent $520, the ownership and renting split, and household income, from the 2023 Census.
-
Shift Allowance Calculator NZ
Work out the value of shift allowances and penal rates on top of your base pay in New Zealand.
-
Shift Penal Rates Calculator NZ 2026
Night, weekend and public holiday loadings, time and a half, and the alternative holiday an otherwise working day earns. NZ.
-
Housing in Shirley East
What housing costs in Shirley East, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Shirley West
What housing costs in Shirley West, Christchurch City: median weekly rent $300, the ownership and renting split, and household income, from the 2023 Census.
-
Shoe Size Conversion NZ
Free shoe size conversion for New Zealand. Convert between UK, US, EU, and centimetre shoe sizes for men and women, with a full conversion chart.
-
NZ Short-Stay Accommodation Tax Calculator (Airbnb / Bookabach)
Airbnb and Bookabach tax: income tax and GST, the platform 8.5% flat rate credit, the 62-day test and the $60k threshold. NZ.
-
Short-Stay Income Calculator NZ
Estimate your real income from short-stay accommodation in New Zealand after platform fees, cleaning and consumables, and the tax to set aside.
-
Short-Term vs Long-Term Financial Goals
Guide to balancing short-term and long-term financial goals in NZ. Learn to prioritize, set realistic timeframes, and achieve both immediate and future objectives.
-
Housing in Shortland Street
What housing costs in Shortland Street, Auckland: median weekly rent $435, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Shotover Country
What housing costs in Shotover Country, Queenstown-Lakes District: median weekly rent $700, the ownership and renting split, and household income, from the 2023 Census.
-
Should I Delegate or Do It Myself?
Your effective hourly rate against the market cost of a task, the work you should never hand over, and how to decide what to stop doing.
-
NZ Sick Leave Balance Calculator 2026
Free NZ sick leave calculator. Track your sick leave balance under the Holidays Act 2003: 10 days per year, 20 day cap, 6 month eligibility.
-
Sick Leave Entitlements
How sick leave works in New Zealand under the Holidays Act, who qualifies, how days build up and carry over, when proof of sickness applies.
-
Side Hustle GST Registration Calculator NZ
Check whether your side hustle must register for GST in New Zealand: the 60,000 dollar turnover threshold over 12 months, with your annual turnover and headroom shown.
-
Side Hustle Income Tax Calculator NZ 2026/27
Free NZ side hustle income tax calculator. The extra tax at your marginal rate, the 1.75% ACC earners levy, and whether you must register for GST, for 2026/27.
-
Side Hustle Tax Calculator NZ
Main income, side income and expenses in: the tax, how much to set aside, your take-home, and whether provisional tax looms. NZ.
-
Side Hustle Tax NZ
Tax on side hustles and gig work: Uber, Airbnb, Etsy and marketplace selling, the GST threshold, deductions, ACC and not declaring. NZ.
-
Significant Figures Calculator
Round any number to N significant figures and count the significant figures in an existing value. Shows the rounded result, sig fig count, and scientific notation form.
-
Silage Stack Yield Calculator NZ
Measure a stack or bunker for the tonnes in it, dry matter after wastage, cost per kilogram of feed and days it feeds a mob.
-
Housing in Silverdale (Hamilton City)
What housing costs in Silverdale (Hamilton City), Hamilton City: median weekly rent $435, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Silverdale Central (Auckland)
What housing costs in Silverdale Central (Auckland), Auckland: median weekly rent $572, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Silverdale South (Auckland)
What housing costs in Silverdale South (Auckland), Auckland: median weekly rent $520, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Silverstream (Upper Hutt City)
What housing costs in Silverstream (Upper Hutt City), Upper Hutt City: median weekly rent $500, the ownership and renting split, and household income, from the 2023...
-
Housing in Silverstream (Waimakariri District)
What housing costs in Silverstream (Waimakariri District), Waimakariri District: median weekly rent $520, the ownership and renting split, and household income, from the...
-
Simple Harmonic Motion Calculator NZ
Calculate simple harmonic motion: position, velocity and acceleration at a given time, plus the period, from amplitude and frequency. For springs and pendulums.
-
Simple Interest Calculator
Free simple interest calculator. Enter a principal, annual rate, and time to see the simple interest and the total, and how it differs from compound interest.
-
Simplify Fractions Calculator
Reduce any fraction to lowest terms: the simplified fraction, the GCD used, and the decimal equivalent with full working.
-
Simultaneous Equation Solver
Free simultaneous equation solver. Solve 2x2 and 3x3 linear systems instantly. Shows step-by-step working using substitution and elimination.
-
Sin Cos Tan Calculator
Calculate sine, cosine, tangent, cosecant, secant and cotangent for any angle in degrees or radians. Instant trig table with all six functions shown.
-
Sine Calculator
Free sine calculator. Enter an angle in degrees or radians to get the sine. Includes the formula, the angle in both units, and a worked example.
-
Sine Cosine Tangent Calculator
Free sine, cosine and tangent calculator. Find sin, cos and tan of an angle in degrees or radians, and use the inverse functions to find an angle from a ratio.
-
Sine Rule Ambiguous Case Calculator
Free sine rule ambiguous case calculator. Enter two sides and a non-included angle (SSA) to find the possible angle B, with zero, one or two triangle solutions.
-
Sinking Fund Calculator NZ
Work out the regular amount to set aside for known future costs like rates, insurance and car registration in New Zealand.
-
Sinking Funds
Practical NZ guide to sinking funds: what they are, how they differ from emergency funds, which expenses warrant sinking funds, and setup without complexity.
-
Sizes and everyday sums questions, answered
Ring and clothing sizes, quantities and servings, splitting a bill, tipping, and the small sums that come up in a day.
-
Skewness Calculator
Free skewness calculator. Enter a data set to get its skewness, the moment coefficient measuring asymmetry, with the mean and sample size.
-
Ski Size Calculator NZ
Work out what length skis you need from your height, ability, ski type and build, with a recommended length and a sensible range for adult skiers.
-
Skirting & Architrave Calculator NZ 2026
Lineal metres of skirting and architrave from room size and doorways, with a waste allowance. Built for NZ rooms.
-
Skirting and Architrave Length Calculator
Room dimensions, doors and waste allowance give total linear metres of skirting and architrave, with a cut list.
-
Sleep Calculator
The best time to sleep or wake on 90-minute cycles: enter one and get the other, recommended across five or six cycles.
-
Sleepout & Cabin Cost Calculator NZ 2026
Size and type, plus foundations, services and consent: a realistic sleepout or cabin total and price per m2. NZ.
-
Slope Calculator
Calculate the slope, y-intercept and equation of a line from two coordinate points. Returns gradient, line equation in slope-intercept form, and x-intercept.
-
Slope Intercept Form Calculator
Slope m, intercept b and the full y = mx + b from any two points, with an interactive draggable line graph.
-
Slug Generator
Turn any title or phrase into a clean, lowercase URL slug. Strips accents, removes symbols and joins words with hyphens, all in your browser.
-
Slug to Title Converter NZ
Convert a URL slug into a readable, title-cased heading. Paste a slug with hyphens or underscores to get a clean title, the reverse of slugifying. Runs in your browser.
-
Small Angle Approximation Calculator
For a small angle in radians: sin, cos and tan approximations against the exact values, with the error shown.
-
Small Business Cashflow Forecast Calculator
Starting cash, monthly revenue, expenses and growth give your ending cash, the lowest point and any shortfall. NZ.
-
Smoking Pack-Years Calculator NZ
Work out your smoking pack-years and the lifetime cost of smoking in New Zealand from your packs per day, years smoked and the price of a pack.
-
Snell's Law Calculator
Calculate refraction angle using Snell's Law n1 sin theta1 = n2 sin theta2. Returns refracted angle, critical angle for total internal reflection, and reflectance.
-
Housing in Snells Beach
What housing costs in Snells Beach, Auckland: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sockburn North
What housing costs in Sockburn North, Christchurch City: median weekly rent $430, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sockburn South
What housing costs in Sockburn South, Christchurch City: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
SOHCAHTOA Solver
SOHCAHTOA solver. Enter any two values of a right triangle (angle, opposite, adjacent, hypotenuse) and solve for the rest. Uses sine, cosine, and tangent.
-
Soil & Fill Truckloads Calculator NZ 2026
Area and depth, compaction allowed for, truck size chosen: the truckloads of soil, fill, bark or mulch to order. NZ.
-
Solar Battery Payback Calculator NZ
The yearly saving from storing solar power instead of exporting it, against the battery's cost: your payback period. NZ.
-
Solar Panel Count by kW Calculator
System kW and panel wattage give the panel count, roof area, daily output and annual generation.
-
Solar Panel Count Calculator NZ 2026
Work out how many solar panels you need in New Zealand from your power use and target offset, plus the system size in kW, roof area and estimated annual generation.
-
Solar Panel Payback Calculator NZ
Work out how long a solar panel system takes to pay for itself in New Zealand through lower power bills, and the lifetime saving.
-
Sole Agency vs General Listing Calculator NZ
Sole agency against general listing: commission under each with GST, the double commission exposure, and the six-month tail. NZ.
-
Sole Parent Support Explained
Sole Parent Support in New Zealand explained: who qualifies as a single parent, the dependent-child and residency rules, the income test, part-time work obligations.
-
Sole Trader Debtor Days Calculator
Work out your debtor days from invoiced revenue and money owed, see the cash locked up at that collection speed, and what improving it by a week would release.
-
Sole Trader vs Company Tax Calculator NZ 2026/27
Compare sole trader tax against a company structure in New Zealand: 28% company tax, a shareholder salary, imputation credits and extra compliance costs.
-
Housing in Solway North
What housing costs in Solway North, Masterton District: median weekly rent $395, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Solway South
What housing costs in Solway South, Masterton District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Somatic Cell Count Calculator NZ
Work out your bulk milk somatic cell count from the cows making it up, and see exactly how much the vat drops if the highest cows are withheld or dried off.
-
Housing in Somerfield East
What housing costs in Somerfield East, Christchurch City: median weekly rent $429, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Somerfield West
What housing costs in Somerfield West, Christchurch City: median weekly rent $450, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Somerville
What housing costs in Somerville, Auckland: median weekly rent $700, the ownership and renting split, and household income, from the 2023 Census.
-
NZ Sotheby's International Realty Commission Calculator
Estimate NZ Sotheby's International Realty real estate commission on a New Zealand property sale. Free calculator using NZ Sotheby's International Realty's tiered...
-
Sound Attenuation Calculator NZ
Calculate how a sound level in decibels drops with distance from the source under the inverse-square law. Enter the level at one distance to find it at another.
-
Sound Intensity Calculator
Calculate sound intensity from source power and distance using the inverse square law. Returns intensity in W per m squared and decibel level.
-
Housing in South Dunedin
What housing costs in South Dunedin, Dunedin City: median weekly rent $265, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in South Head
What housing costs in South Head, Auckland: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in South Hill
What housing costs in South Hill, Waitaki District: median weekly rent $346, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in South New Brighton
What housing costs in South New Brighton, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Southbridge
What housing costs in Southbridge, Selwyn District: median weekly rent $250, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Southbrook
What housing costs in Southbrook, Waimakariri District: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Southgate
What housing costs in Southgate, Wellington City: median weekly rent $600, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sovereign Palms
What housing costs in Sovereign Palms, Waimakariri District: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Spa Pool Running Cost Calculator NZ
Estimate the annual cost of running a spa pool in New Zealand, from heating and pump power to chemicals and water. See what keeping a spa hot really costs over a year.
-
Span of Control Calculator NZ 2026
Work out how many staff you need to cover your opening hours, including an allowance for leave and absence, plus how many supervisors that headcount requires.
-
Spearman Rank Correlation Calculator
Calculate Spearman's rank correlation coefficient (rho) between two variables. Paste paired data to measure the strength of a monotonic relationship using ranks.
-
Specific Heat Calculator
Calculate heat energy, mass, specific heat capacity, or temperature change using Q = mc delta T.
-
Speed Calculator
Free speed calculator. Enter a distance and a time to get the average speed in km/h, m/s, mph and knots. Choose any units. Formula and worked example included.
-
Speed Converter
Free speed converter. Convert between kilometres per hour, miles per hour, metres per second, and knots instantly, all at once.
-
Speedometer Error from Tyre Size Calculator NZ
Work out how a change in tyre or wheel diameter affects your speedometer reading in New Zealand, showing your true speed and the error at an indicated speed.
-
Sphere Surface Area Calculator
Calculate sphere surface area, volume, and great circle area from radius. Returns all three values instantly with formulas and worked example for any radius.
-
Sphere Volume Calculator
Free sphere volume calculator. Enter the radius to get the volume and surface area of a sphere, with the formulas explained.
-
Spin the Wheel
Add your own options and spin for a random pick: classrooms, decisions, prize draws, team assignments and games. Customisable.
-
Split Loan Optimiser Calculator NZ 2026/27
Free NZ split loan optimiser. Split your mortgage across fixed and floating portions, see the blended interest rate, combined repayment and your floating-rate exposure.
-
Splitting KiwiSaver on Separation
How KiwiSaver is divided when a marriage, civil union or de facto relationship ends in NZ: relationship property, the 3-year rule, offsetting and pre-nups.
-
Sports, Toys and Pets: what NZ households spend per week
What New Zealand households spend on sports, toys and pets each week, from the Stats NZ Household Economic Survey 2023, with every survey year since 2007 and what the...
-
Housing in Spotswood
What housing costs in Spotswood, New Plymouth District: median weekly rent $388, the ownership and renting split, and household income, from the 2023 Census.
-
Spotting Investment Scams
How to spot investment scams in New Zealand, the common types and red flags, why high returns with no risk is always a lie, and how to check before you invest.
-
Spouting & Guttering Calculator NZ 2026
Work out the spouting and guttering you need in New Zealand: total gutter length, the number of downpipes and the brackets required.
-
Housing in Spreydon North
What housing costs in Spreydon North, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Spreydon South
What housing costs in Spreydon South, Christchurch City: median weekly rent $385, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Spreydon West
What housing costs in Spreydon West, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Spring Creek-Grovetown
What housing costs in Spring Creek-Grovetown, Marlborough District: median weekly rent $360, the ownership and renting split, and household income, from the 2023 Census.
-
Spring Potential Energy Calculator NZ
Calculate the elastic potential energy stored in a spring, with options for springs in series or parallel. Enter the spring constants and displacement.
-
Spring Rate Calculator
Calculate the spring rate (stiffness) from force and deflection, or from helical spring geometry. Free spring rate calculator using Hooke's law and the spring formula.
-
Housing in Springfield North
What housing costs in Springfield North, Rotorua District: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springfield South
What housing costs in Springfield South, Rotorua District: median weekly rent $515, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springlands
What housing costs in Springlands, Marlborough District: median weekly rent $410, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springston
What housing costs in Springston, Selwyn District: median weekly rent $360, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springvale East
What housing costs in Springvale East, Whanganui District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springvale North
What housing costs in Springvale North, Whanganui District: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Springvale West
What housing costs in Springvale West, Whanganui District: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
-
Square Calculator
Calculate square area, perimeter and diagonal from side length. Side 7 gives area 49, perimeter 28, diagonal 9.90. Instant results with formulas and worked example.
-
Square Metre Calculator
Free square metre calculator. Enter length and width in metres or centimetres to get the area in square metres.
-
Square Root Calculator
Free square root calculator. Enter a number to get its square root, plus the square and cube root, with a clear explanation and worked examples.
-
Housing in St Albans East
What housing costs in St Albans East, Christchurch City: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Albans North
What housing costs in St Albans North, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Albans West
What housing costs in St Albans West, Christchurch City: median weekly rent $385, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Clair
What housing costs in St Clair, Dunedin City: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St James
What housing costs in St James, Hamilton City: median weekly rent $640, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Johns Hill East
What housing costs in St Johns Hill East, Whanganui District: median weekly rent $450, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Johns Hill West
What housing costs in St Johns Hill West, Whanganui District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Kilda North
What housing costs in St Kilda North, Dunedin City: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Kilda South
What housing costs in St Kilda South, Dunedin City: median weekly rent $382, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Leger
What housing costs in St Leger, Waipa District: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Leonards
What housing costs in St Leonards, Hastings District: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Lukes
What housing costs in St Lukes, Auckland: median weekly rent $550, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in St Martins
What housing costs in St Martins, Christchurch City: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Stair Calculator
Free stair calculator. Enter the total height and tread depth to work out the number of steps, the riser height, and the total run for a staircase.
-
Standard Calculator
Perform addition, subtraction, multiplication, division, square, square root, cube, and cube root calculations.
-
Standard Deviation Calculator
Free standard deviation calculator. Enter a list of numbers to get the population and sample standard deviation, the variance, and the mean.
-
Standard Drink Calculator NZ
Free NZ standard drink calculator. Work out how many standard drinks are in your beer, wine, spirits, or RTD. Uses the NZ standard of 10 grams of pure alcohol.
-
Standard Error Calculator
Calculate the standard error of the mean or a proportion. Enter standard deviation and sample size, or use proportion mode.
-
Standing Wave Calculator
Calculate the harmonic frequencies and wavelengths of a standing wave on a string fixed at both ends, from the length, wave speed and harmonic number.
-
Housing in Stanley Park
What housing costs in Stanley Park, South Waikato District: median weekly rent $348, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stanley Point
What housing costs in Stanley Point, Auckland: median weekly rent $693, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stanmore
What housing costs in Stanmore, Christchurch City: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stanmore Bay East
What housing costs in Stanmore Bay East, Auckland: median weekly rent $550, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stanmore Bay West
What housing costs in Stanmore Bay West, Auckland: median weekly rent $570, the ownership and renting split, and household income, from the 2023 Census.
-
Stars and Bars Calculator
Count the ways to distribute n identical items into k groups using the stars and bars method, allowing empty groups or requiring at least one each. Free calculator.
-
Starting your first job
Thirteen steps through your first job in New Zealand: IRD number, tax code, payslip, KiwiSaver, leave and breaks, each paired with a calculator.
-
Housing in Starvation Hill-Cust
What housing costs in Starvation Hill-Cust, Waimakariri District: median weekly rent $328, the ownership and renting split, and household income, from the 2023 Census.
-
Statistics and probability questions, answered
Averages and spread, confidence intervals and significance tests, distributions, correlation, sampling and combinations.
-
Stepped vs Level Insurance Premiums
Stepped starts cheap and rises with age, level costs more early but stays steady: the crossover point and which suits whom. NZ.
-
NZ Stepped vs Level Premium Break-Even Calculator 2026
Stepped against level premiums: your break-even year and lifetime cost for life, trauma, income protection and TPD cover. NZ.
-
Steps to Calories Calculator NZ
Convert steps to kilojoules and calories burned. Enter your step count, weight and height. Works for Fitbit, Apple Watch, Garmin and all fitness trackers.
-
Housing in Stewart Island
What housing costs in Stewart Island, Southland District: median weekly rent $250, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stillwater
What housing costs in Stillwater, Auckland: median weekly rent $550, the ownership and renting split, and household income, from the 2023 Census.
-
Stock Unit Calculator NZ 2026
Head of stock into stock units from two published tables, any factor editable, with stocking rate and annual feed demand. NZ.
-
Stock Water Requirements Calculator NZ
Work out daily stock drinking water and storage for a New Zealand farm or lifestyle block.
-
Stock Yard Sizing Calculator NZ
Size a set of stock yards from the mob you need to handle: total yard area, forcing pen, holding pen area and race length, with the space each animal actually gets.
-
Stoichiometry Calculator
Calculate the mass of any reactant or product from a balanced equation using stoichiometric mole ratios.
-
Housing in Stokes Valley Central
What housing costs in Stokes Valley Central, Lower Hutt City: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stokes Valley North
What housing costs in Stokes Valley North, Lower Hutt City: median weekly rent $520, the ownership and renting split, and household income, from the 2023 Census.
-
Stone to Kg Converter
Convert stones and pounds to kilograms and back. Free stone to kg converter for body weight, with the exact conversion factor and a worked example.
-
Housing in Stonefields East
What housing costs in Stonefields East, Auckland: median weekly rent $795, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stonefields West
What housing costs in Stonefields West, Auckland: median weekly rent $820, the ownership and renting split, and household income, from the 2023 Census.
-
Stopwatch and Countdown Timer NZ
Free online stopwatch with lap times and split tracking, plus a countdown timer with audio alert. Works in any browser tab. No download or sign-up required.
-
STP Gas Volume Calculator
Convert between moles of a gas and its volume at STP or RTP using the molar volume. Free STP gas volume calculator for 22.4 L/mol and 24.0 L/mol.
-
Strain Gauge Calculator
Free strain gauge calculator. Enter the resistance change, nominal resistance and gauge factor to get the strain and microstrain.
-
Housing in Strandon
What housing costs in Strandon, New Plymouth District: median weekly rent $430, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stratford Central
What housing costs in Stratford Central, Stratford District: median weekly rent $320, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stratford North
What housing costs in Stratford North, Stratford District: median weekly rent $300, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Stratford South
What housing costs in Stratford South, Stratford District: median weekly rent $320, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Strath Taieri
What housing costs in Strath Taieri, Dunedin City: median weekly rent $200, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Strathern
What housing costs in Strathern, Invercargill City: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Strathmore (South Waikato District)
What housing costs in Strathmore (South Waikato District), South Waikato District: median weekly rent $400, the ownership and renting split, and household income, from...
-
Housing in Strathmore (Wellington City)
What housing costs in Strathmore (Wellington City), Wellington City: median weekly rent $200, the ownership and renting split, and household income, from the 2023 Census.
-
Streaming Bundle Calculator NZ
Add up your streaming subscriptions in New Zealand and compare keeping them all against rotating services. See the annual total and the saving from trimming or rotating.
-
Streaming, Gyms and Events: what NZ households spend per week
What New Zealand households spend on streaming, gyms and events each week, from the Stats NZ Household Economic Survey 2023, with every survey year since 2007 and what...
-
Stress and Strain (Young's Modulus) Calculator
Calculate stress, strain, and Young's modulus for any material. Enter force, cross-sectional area, original length, and extension to get results instantly.
-
Stress and Strain Calculator
Stress in MPa, strain, Young's modulus in GPa and elongation, from force, area, extension and length.
-
Housing in Strowan
What housing costs in Strowan, Christchurch City: median weekly rent $430, the ownership and renting split, and household income, from the 2023 Census.
-
Structuring Your Bank Accounts
How to structure your bank accounts in New Zealand: splitting money across income, bills, spending, and savings so you always know what is safe to spend.
-
Student Allowance and Student Loan NZ
StudyLink applications, parental income thresholds, living costs loan against allowance, the 12% repayment threshold and interest rules.
-
Student Allowance Calculator NZ
Estimate your student allowance in New Zealand against the parental and personal income tests.
-
Student Loan Overseas Interest Calculator NZ
See how a New Zealand student loan grows with interest while you live overseas, and how long it takes to clear at different repayment levels.
-
Student Loan Payoff Booster Calculator NZ
What voluntary extra repayments do to a NZ student loan: the payoff timeline and the years saved by paying above the minimum.
-
Student Loan Payoff vs Invest Calculator NZ 2026
Should you make a voluntary New Zealand student loan repayment or invest the money? NZ resident loans are interest-free, so see how investing compares to repaying early.
-
NZ Student Loan Rates and Thresholds 2026/27
The 12% repayment rate, $24,128 threshold, 0% interest for NZ-based borrowers, overseas obligations and Fees Free. NZ reference.
-
Student Loan Repayment Calculator NZ 2026
Estimate your NZ student loan monthly repayments, total interest, and payoff timeline. Works for both IRD student loans and private education loans.
-
Student Loan Repayment Guide
Learn how NZ student loan repayments work, calculate your repayment obligations, understand interest-free rules, and plan to pay off your loan faster.
-
NZ Student Loan Repayments by Income 2026/27
New Zealand student loan repayments by income for 2026/27: 12% of earnings above the $24,128 threshold, shown annually and weekly from $24,128 to $120,000.
-
StudyLink Student Allowance Eligibility Calculator NZ 2026
Check whether you are likely eligible for a StudyLink Student Allowance in New Zealand and see an indicative weekly amount.
-
Housing in Styx
What housing costs in Styx, Christchurch City: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
-
Subdivision Cost Calculator NZ
Estimate the cost to subdivide land in New Zealand, including survey, resource consent, services and infrastructure, legal, development contributions and a contingency.
-
NZ Subdivision Tax Calculator
The 10-year rule, subdivision scheme test and rezoning rule (s CB 12 to 14), and minor against major subdivisions. Know before you cut. NZ.
-
Subletting and Short-Stay Hosting NZ
Subletting or listing your rental short-stay in NZ: why you need landlord consent, the $60,000 GST threshold, council rules and how the income is taxed.
-
Subscript Generator
Free subscript generator. Type any text and get Unicode subscript characters you can copy and paste into formulas, social media, documents and chat.
-
Subscription Cost Calculator NZ
Every subscription converted to one monthly and annual total, so you can see what you spend and decide what to cancel. NZ.
-
Subsidised Transport FBT Calculator NZ 2026
Free NZ subsidised transport FBT calculator for transport operators. Applies the 25% of highest public fare rule for airlines, bus, ferry, rail employees. 2026 rates.
-
Housing in Suffolk
What housing costs in Suffolk, Nelson City: median weekly rent $506, the ownership and renting split, and household income, from the 2023 Census.
-
Sum and Difference Identities Calculator
Free sum and difference identities calculator. Enter two angles to get sin, cos and tan of their sum or difference, using the addition formulas.
-
Sum Insured vs Rebuild Cost Calculator NZ
Check whether your house sum insured covers the full rebuild cost in New Zealand. See any underinsurance shortfall and the share of your rebuild that is actually covered.
-
Summation (Sigma) Calculator
Free summation calculator. Calculate the sum of any series using sigma notation. Supports arithmetic, geometric, and polynomial expressions. Step-by-step results shown.
-
Housing in Summerland North
What housing costs in Summerland North, Auckland: median weekly rent $627, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Summerland South
What housing costs in Summerland South, Auckland: median weekly rent $700, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sumner
What housing costs in Sumner, Christchurch City: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunkist Bay
What housing costs in Sunkist Bay, Auckland: median weekly rent $570, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnybrook
What housing costs in Sunnybrook, Rotorua District: median weekly rent $487, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnyhills East
What housing costs in Sunnyhills East, Auckland: median weekly rent $580, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnyhills West
What housing costs in Sunnyhills West, Auckland: median weekly rent $650, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnynook North
What housing costs in Sunnynook North, Auckland: median weekly rent $630, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnynook South
What housing costs in Sunnynook South, Auckland: median weekly rent $600, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnyvale East
What housing costs in Sunnyvale East, Auckland: median weekly rent $545, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sunnyvale West-Parrs Park
What housing costs in Sunnyvale West-Parrs Park, Auckland: median weekly rent $475, the ownership and renting split, and household income, from the 2023 Census.
-
Sunset Clause Exposure Calculator NZ
Buying off the plans locks your deposit up: what that costs, the buffer to the sunset date, and what a triggered clause loses you.
-
Housing in Sunshine Bay-Fernhill
What housing costs in Sunshine Bay-Fernhill, Queenstown-Lakes District: median weekly rent $624, the ownership and renting split, and household income, from the 2023...
-
NZ Super and Minimum Wage Rates 2026
Current New Zealand Superannuation rates (net, per week, fortnight and year) and minimum wage rates (hourly, weekly and annual) in one reference table.
-
NZ Super Income Gap Calculator
Work out the gap between your target retirement income and NZ Super, and the savings pot you would need to fill it at a 4% safe withdrawal rate.
-
NZ Super plus KiwiSaver Combined Income Calculator
Estimate your total retirement income in New Zealand by combining NZ Super with a drawdown of your KiwiSaver balance over your chosen retirement length.
-
NZ Super Rate Calculator
Check New Zealand Superannuation rates by living situation. See the fortnightly, weekly and annual net amounts for single and couple categories at a glance.
-
NZ Super: Eligibility, Rates and How to Apply
Who qualifies at 65, the residency rules, how the rate depends on your living situation, tax, and working while receiving NZ Super.
-
Superannuation Calculator NZ 2026
Project the retirement savings balance you will have at your chosen retirement age from your salary, contribution rates, investment return and inflation.
-
NZ Superannuation Guide
Eligibility at 65 with 10-year residency, current rates, tax on NZ Super, the overseas pension deduction, SuperGold and how to apply.
-
Superannuation Guide
Learn how superannuation works in NZ, calculate retirement savings growth, understand compound interest, and plan for financial independence.
-
NZ Superannuation Rates and Eligibility 2026
New Zealand Superannuation rates from 1 April 2026, by living situation, plus the qualifying age of 65, residence requirements and how Super is taxed.
-
Supermarket Pricing NZ
NZ guide to supermarket pricing tricks. Unit pricing, anchor pricing, loyalty programmes (Onecard, Everyday Rewards, Flybuys), multi-buy traps, generic vs premium.
-
Superscript Generator
Free superscript generator. Turn any text or numbers into small superscript or subscript characters you can copy and paste into social media, documents, and chat.
-
Support Cost per Customer Calculator
Work out your support cost per customer from total support cost and customer count. See the cost to serve each account so you can price and budget better.
-
Support Tickets per Customer Calculator
Work out support tickets per customer from total tickets and customer count. See your average contact rate so you can spot rising support demand early.
-
Supported Living Payment NZ
Who qualifies for the Supported Living Payment in New Zealand, what it pays, the income and residency tests, and how to apply through Work and Income.
-
Surds Simplification Calculator
Free surds simplification calculator. Enter a number to simplify its square root into the form a times root b, with the decimal value.
-
Surface Area Calculator
Calculate the surface area of a cube, cuboid, sphere, cylinder or cone. Choose the shape, enter dimensions, and get instant results with formulas and a worked example.
-
Surface Area Calculator (Multi-Solid)
Free surface area calculator for multiple 3D shapes: sphere, cylinder, cone, cube, rectangular box, pyramid, and triangular prism. Instant results with worked formula.
-
Surface Area to Volume Ratio Calculator
SA:V for a sphere, cube or cylinder, with surface area and volume, and why the ratio matters in biology and engineering.
-
Surface Speed to RPM Calculator
Convert cutting surface speed to spindle RPM for machining from the cutting speed and tool or part diameter.
-
Housing in Surfdale
What housing costs in Surfdale, Auckland: median weekly rent $550, the ownership and renting split, and household income, from the 2023 Census.
-
Sustainable Growth Rate (SGR) Calculator NZ 2026/27
SGR by Higgins' model from ROE and retention, the DuPont breakdown, and the funding gap when growth outruns what you can fund. NZ.
-
Housing in Sutton Park
What housing costs in Sutton Park, Auckland: median weekly rent $319, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Swannanoa-Eyreton
What housing costs in Swannanoa-Eyreton, Waimakariri District: median weekly rent $250, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Swanson
What housing costs in Swanson, Auckland: median weekly rent $560, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Swanson Rural
What housing costs in Swanson Rural, Auckland: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Swarbrick
What housing costs in Swarbrick, Hamilton City: median weekly rent $450, the ownership and renting split, and household income, from the 2023 Census.
-
Swimming Pace Calculator NZ
Work out your swimming pace per 100 metres and your speed from the distance and time you swam, for pool training and open-water swims.
-
Switching Banks
How to switch banks in New Zealand: the switching process, moving your salary, automatic payments and direct debits, what to check first, and avoiding missed payments.
-
Switching KiwiSaver Provider or Fund
Changing fund against changing provider, how to switch, what to compare, and the mistakes to avoid. NZ KiwiSaver guide.
-
Switching Power Company Guide
How to switch electricity retailer in New Zealand: why it is easy and free, how to compare plans on your real usage, what to watch for.
-
Housing in Sydenham Central
What housing costs in Sydenham Central, Christchurch City: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sydenham North
What housing costs in Sydenham North, Christchurch City: median weekly rent $375, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sydenham South
What housing costs in Sydenham South, Christchurch City: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Sydenham West
What housing costs in Sydenham West, Christchurch City: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Symonds Street East
What housing costs in Symonds Street East, Auckland: median weekly rent $425, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Symonds Street North West
What housing costs in Symonds Street North West, Auckland: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
-
Housing in Symonds Street West
What housing costs in Symonds Street West, Auckland: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
-
Synthetic Division Calculator
Free synthetic division calculator. Enter polynomial coefficients and a value r to divide by (x minus r), getting the quotient and remainder.
-
System of Equations Solver
Solve systems of 2 or 3 linear equations instantly. Enter your coefficients and get the solution with step-by-step working using Gaussian elimination.
Listed from the site's own index of its pages, rebuilt whenever pages change. Last reviewed 2026-09-06. See also every question the site answers, the finance glossary and the guides.