Terms of use

These terms cover your use of Calculate.co.nz. The site is free to use, and by using it you accept the points below. They are written in plain language on purpose.

The tools are for education and as estimates only

Every calculator and guide on this site is provided for educational and indicative purposes only. They give you a useful, good-faith estimate to help you understand a number or a decision. They are not personalised financial, tax, legal, investment or other professional advice, and they do not take account of your full personal circumstances. For a decision that matters, confirm the figures with the relevant authority, such as Inland Revenue, Work and Income, your bank, your insurer, or a qualified professional.

Accuracy and how the tools are built

The calculators are built from scratch against primary New Zealand sources and are checked on a twice-monthly cycle, as described in our editorial standards and how we keep data current. We work hard to keep everything accurate and current, but rates and rules change, and errors can occur. We do not warrant that every figure is free of error at every moment, and you use the results at your own discretion. If you spot something wrong, please tell us and we will correct it promptly.

No liability for decisions made

To the extent permitted by law, Calculate.co.nz and its owner are not liable for any loss or damage arising from your use of, or reliance on, the calculators, guides or any other content on this site. Because the tools are free and provided as estimates, the responsibility for any decision you make remains yours. Nothing in these terms limits any rights you have that cannot legally be excluded.

Your data and privacy

You can use the site without an account or any personal details. The numbers you enter into a calculator stay in your browser and are not sent to or stored by us. How the small amount of analytics and advertising information is handled is set out in full in our privacy policy.

Acceptable use

You are welcome to use the tools and link to them freely. You may not, however, attempt to disrupt or overload the site, scrape or copy the content or source code at scale, reproduce the calculators or guides on another site, or pass the work off as your own. Reasonable, fair quotation with a link back is fine.

Copyright and intellectual property

All content on this website, including the calculators, tools, source code, text and design, is owned by Calculate.co.nz and protected under the Copyright Act 1994 (New Zealand). No part of the site may be reproduced, copied, distributed, stored or used in any form without prior written permission from the owner. Links to authoritative sources (such as IRD or RBNZ) point to those organisations, which own their own material.

External links

Some pages link to outside websites, such as Inland Revenue, Work and Income, the Reserve Bank of New Zealand or Sorted, so you can check official figures. We provide those links to help you, but we are not responsible for the content or availability of any external site.

Changes to these terms

These terms may be updated from time to time. The current version always lives on this page with its review date, and continued use of the site means you accept the version in force.

Governing law

These terms are governed by the laws of New Zealand, and any dispute relating to the site is subject to the jurisdiction of the New Zealand courts.

Contact

Questions about these terms? Please contact us. You can also read our privacy policy, editorial standards, and more about James Graham and Calculate.co.nz.

Maintained by James Graham. Last reviewed 2026-06-07.