Every tool, in one place.
Free, plain-English tools for understanding NZ Budget 2026 and the decisions you actually make — pay, KiwiSaver, mortgage, savings, retirement. No sign-up. Use any tool, save the results only if you want to.
ALL TOOLS
Free tools, grouped by what they do.
Understanding the Budget sits at the top. Personal calculators — pay, KiwiSaver, mortgage, savings, retirement — follow in rough life-stage order.
UNDERSTANDING NZ BUDGET 2026
Where does your tax go?
An itemised receipt for the income tax you pay, built from Treasury Budget 2026 figures. Hospitals, NZ Super, schools, debt interest.
National spending split
Companion to the receipt. The split between operating spending (running the country) and capital spending (building new things), and your share per Kiwi.
YOUR PAY
KIWISAVER
KiwiSaver Rate Change
What 3.5% in April 2026 (and 4% in 2028) does to your take-home and your retirement balance.
KiwiSaver Projection
Your projected balance at 65, with fund comparison and the 30-year cost of fees.
KiwiSaver Compare
Returns, fees, and risk side-by-side across major NZ KiwiSaver funds. Listed alphabetically — no "best" framing.
HOME
SAVINGS
RETIREMENT
NZ Super — Eligibility
Residency-based eligibility checker for NZ Superannuation. Includes Social Security Agreement countries.
NZ Super — Payment
What lands in your account every fortnight, given your living situation, tax code, and any overseas pension offset.
DCS Coverage
Check whether your bank deposits sit under New Zealand's $100,000 Depositor Compensation Scheme limit at each institution.