New Zealand Budgeting Calculators
Plan household spending in New Zealand — a budget planner, cost-of-living comparison, household budgeting and Working for Families tax credits.
New Zealand Budgeting Calculators
Choose a tool to get an instant estimate.
Budget Planner Calculator
Most usedPlan income and expenses into a monthly budget.
Open calculatorCost of Living Calculator
Compare living costs across New Zealand.
Open calculatorHousehold Calculator
Combined household income and expense planning.
Open calculatorWorking for Families Calculator
Estimate Working for Families tax credits.
Open calculatorFrequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
What are Working for Families tax credits?
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What are Working for Families tax credits?
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Working for Families is a package of tax credits for families with dependent children, including the family tax credit and in-work tax credit, with entitlement based on family income and the number of children. The Working for Families calculator estimates your credits from your household details.
How much of my income should go to housing in New Zealand?
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How much of my income should go to housing in New Zealand?
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A common guideline is to keep housing costs (rent or mortgage) under about 30% of gross income, though this varies by region and household. The budget planner and cost-of-living calculators help you see how housing and other costs fit your income.
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