Calculator
Overseas Student Loan Repayment Calculator
Amortize your New Zealand student loan payoff duration, total interest, and assessment obligations under the 2026 overseas interest rules (5.6%).
Try it now
New Zealand Financial Suite
Mortgage repayments, KiwiSaver at the new 3.5% default rate, overseas student loan obligations, and CCCFA refund checks, built for New Zealand's 2026 rules.
Loans
View AllCalculate mortgage repayments and the years saved by extra payments, plus overseas student loan obligations and CCCFA lender-breach refunds.
Retirement
View AllModel KiwiSaver growth under the 3.5% default contribution rate from April 2026, employer matching, and the halved government contribution.
Compare Financial Products
Compare investments, retirement accounts, tax regimes, insurance types, and mortgages side-by-side with interactive calculators and real-time projections.
New Zealand Finance Terms
Explore localized financial terms, definitions, and concepts specific to New Zealand. Search and understand key finance vocabulary for better planning.
The IRD settings behind the NZ tools
IRD brackets, the 2026 KiwiSaver settings, and ACC levies decide take-home pay, retirement balances, and loan obligations under current rules.
PAYE and the ACC earner levy
PAYE runs from the first dollar across five brackets (10.5% to 39% above $180,000), with the 1.75% ACC earner levy on top up to $156,641 of earnings. Because there is no tax-free threshold, effective rates at low incomes are higher than Australians expect, while the 39% top rate starts at a threshold well below top rates elsewhere.
KiwiSaver accumulation under the 2026 settings
From April 2026, the default is 3.5% employee plus 3.5% employer (less ESCT), with the government adding 25c per dollar of member contributions up to $260.72 a year. Balances compound inside PIE tax at your PIR, capped at 28%. The rate rise to 4% in 2028 is already legislated, so the projection tools model the step-ups rather than assuming today's rate forever.
Mortgage and student loan mechanics
NZ mortgages compound monthly with rates typically fixed for 1-5 year terms, so repayment calculators here stress different refix rates rather than assuming one rate for 30 years. Student loans are interest-free onshore but accrue 5.6% after 184 days overseas, with fixed annual obligations by balance tier. The single most expensive thing a departing graduate can do is ignore the first missed instalment.
Research-Backed Tools
