Budgeting and savings calculators for New Zealand
Plan a budget, and see how regular saving and compound interest grow your money.
- 6 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
- Compound Interest See what regular saving and compound interest add up to over time.
- Savings & Term Deposit Interest on savings or a term deposit, after resident withholding tax.
- Budget Split your take-home pay with the 50/30/20 rule, and see where your money goes.
- Inflation What money from any year is worth today, from official price data.
- Net Worth Add up what you own and what you owe, and see what you’re worth.
- Savings Goal How much to save each month to reach a goal, or how long it will take.
Guides
All New Zealand guides- Money basics Banking basics in New Zealand: everyday accounts and savings How everyday and savings accounts work in New Zealand, what to look for, how the Depositor Compensation Scheme protects your money, and tax on interest. Read the guide
- Investing Capital gains in NZ: the bright-line test, shares and FIF When capital gains are taxed in New Zealand: the 2-year bright-line test for property, buying to sell, crypto, NZ and overseas shares, and the FIF rules. Read the guide
- Money basics Emergency fund in NZ: how much you need and where to keep it Why an emergency fund comes before almost everything else, how to work out yours, where to keep it in New Zealand and how to build it from nothing. Read the guide
- Investing Index funds vs picking stocks in New Zealand: why go passive Why most fund managers fail to beat an index fund, what fees cost you, how index funds are taxed in New Zealand, and how to start in or outside KiwiSaver. Read the guide
- Money basics How to make a budget in New Zealand (the 50/30/20 rule) A simple way to budget in New Zealand: start from your take-home pay, budget weekly if you’re paid weekly, and split it into needs, wants and savings. Read the guide
- Investing Investing basics: KiwiSaver, funds and getting started What investing is, how shares, bonds and funds work, how to get the most from KiwiSaver, and how to start investing outside it in New Zealand. Read the guide