Sort your New Zealand money, end to end

Income Tax

10.5-39% bands.

Take-Home Pay

After PAYE, ACC, KiwiSaver.

Secondary Tax

Second-job code.

Tax Code

M, ME, SB, S, SH, ST.

IETC

Up to $520 credit.

Effective Tax Rate

Average vs marginal.

ACC Earners' Levy

1.67% capped.

Bonus / Extra Pay Tax

Lump-sum PAYE.

Redundancy Tax

Lump-sum tax.

Pay Rise

What you keep.

Overtime Pay

Time-and-a-half.

Holiday Pay (8%)

Pay-as-you-go.

Two Jobs Tax

Combined tax.

Net to Gross

Gross from take-home.

Hourly to Salary

Annualise a wage.

Salary to Hourly

Effective hourly.

Minimum Wage

Adult rate.

Living Wage

Voluntary rate.

Parental Leave Pay

Up to 26 weeks.

Student Loan

12% above threshold.

Working for Families

Family Tax Credit.

Self-Employed Tax

Sole trader.

Schedular Payments

Contractor withholding.

Contractor Take-Home

Day-rate to net.

Company Tax

Flat 28%.

Provisional Tax

Standard uplift.

GST

15% add or remove.

GST Registration

$60k threshold.

GST Return

Pay or refund.

FBT

Fringe Benefit Tax.

Depreciation

DV or straight-line.

Mileage Claim

IRD km rates.

Home Office

Floor-area claim.

Markup & Margin

Pricing.

Break-Even

Units to profit.

KiwiSaver

Employee + employer + govt.

KiwiSaver First Home

Deposit withdrawal.

Employer KiwiSaver Cost

3% + ESCT.

KiwiSaver Fees

Fee drag.

KiwiSaver vs Mortgage

Invest or repay.

ESCT

Employer super tax.

NZ Super

Universal pension.

Retirement Savings

Balance at 65.

Retirement Income

Drawdown.

Annuity

Income from a lump sum.

FIRE

Financial independence.

Coast FIRE

Coast to 65.

Lean FIRE

Frugal target.

Barista FIRE

Part-time bridge.

Mortgage

Repayment + interest.

Affordability

How much you can borrow.

House Deposit

Deposit goal.

Extra Repayments

Pay off sooner.

Refinance / Refix

Saving + break-even.

Interest-Only

vs principal + interest.

Offset / Revolving

Offset saving.

Stress Test

At a test rate.

LVR

Loan-to-value.

Rent vs Buy

Buy or rent + invest.

Rental Yield

Gross + net yield.

Rental Income Tax

Net rent, deductible interest.

Bright-Line Test

Tax on a 2-year sale.

Capital Growth

Projected value.

Compound Interest

Growth projection.

Term Deposit

After RWT.

Dollar-Cost Averaging

Regular investing.

Managed Fund Fees

Fee drag.

RWT on Interest

Tax on interest.

PIE Tax (PIR)

Capped at 28%.

FIF Tax

Overseas shares (FDR).

Imputation Credits

Dividend gross-up.

Dividend Tax

After credits.

Net Worth

Assets minus debts.

Budget (50/30/20)

Needs / wants / savings.

Emergency Fund

Cash buffer.

Savings Goal

Monthly to a target.

Debt Payoff

Time + interest.

Debt Consolidation

Combine debts.

Credit Card Payoff

Clear the balance.

Personal Loan

Repayments.

Car Loan

Vehicle finance.

Buy Now Pay Later

Instalments + fees.

Inflation

Real value.

Income Percentile

Where you sit.

Cost of Living

City to city.

Life Insurance Needs

Cover gap (DIME).

Income Protection

If you cannot work.

Mortgage Protection

Cover the loan.

Trauma Cover

Critical illness.

Health Insurance

Long-run cost.