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New Zealand

New Zealand tax refund calculator

Add your income, expense claims and tax already paid to see an estimated refund or amount owing. No sign in needed.

Estimate only. Not financial advice.

1. Your income

Enter gross pay from all jobs. Add interest or similar income separately.

2. Business / Contracting (optional)

Enter gross revenue and eligible expenses. Use amounts before tax withheld; exclude GST if registered.

Include only this year’s deductible share of costs, such as home office or vehicle use.

3. Other expenses (optional)

For eligible costs outside your business, such as tax return fees or income protection insurance.

Do not include ordinary employee WFH costs or expenses already entered above.

4. Tax already paid

Enter tax deducted from your income and any provisional tax paid.

Do not include KiwiSaver, student loan payments or ACC invoices.

How this New Zealand tax estimate works

Your salary and side business profit are added together. Business profit is your revenue after eligible business expenses.

The calculator takes off any other eligible expense claims, then works out income tax and the ACC levy on your salary. It compares that with the tax you have already paid.

The result is an estimate, so your Inland Revenue assessment may differ. Business losses and ACC bills for self-employed work need separate review.

Frequently asked questions

Tax year, assumptions and sources

Uses 2026–27 New Zealand tax rules (1 April 2026 to 31 March 2027). The ACC levy is 1.75% of salary and wages up to $156,641.

This estimate is for full-year New Zealand tax residents. It excludes self-employed ACC invoices, tax credits, donations, student loans, KiwiSaver and special tax situations. Business losses are flagged for review. Compare the result with your Inland Revenue assessment.