New Zealand calculators

Where New Zealand tools usually fall short

Two failures show up again and again in the New Zealand calculators already out there. The first is treating the country as one region: a power cost calculator using a single national price per kilowatt hour will be wrong for most of the people using it, because retail electricity pricing here varies by retailer, plan and region. The second is a public holiday list that only covers the national days and quietly ignores the regional anniversary days, which is exactly the case a business-days calculation gets asked about.

So the power tool takes your own price per kilowatt hour rather than pretending a national one exists, and the working day calculator handles regional anniversary days and Mondayisation rather than a flat weekend-only rule.

NZ guides

• How Mondayisation works in New ZealandSix dates can move, five never do, and it depends on whether you normally work weekends.
• What the ACC levy does to your take-home payIncome tax and PAYE are not the same number, and the gap is the levy.
• Markup and margin are not the same numberA 50% markup is a 33% margin — and pricing on the wrong one costs a third of your gross profit.
• New Zealand income tax rates for 2026–27: brackets, ACC levy and take-home payThe five brackets, the 1.75% ACC earners' levy and five worked salaries.
• KiwiSaver contribution rates from April 2026: what changed and what you get from the governmentThe 3.5% default, the 4% step in 2028 and the 25 cent government match.
• New Zealand public holidays in 2026: dates, observed days and what you are paidEvery 2026 date, which ones can move and the rules on time and a half.

All NZ guides