# Calculate.co.nz NZ Calculators

- Registry name: `nz.co.calculate/calculator` · version 1.15.1
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets, Utilities
- Authentication at last check: No auth
- Declared risk: Not declared (tools carry no read/destructive hints)
- Capabilities (declared by the server): experimental, prompts, resources, tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=nz.co.calculate%2Fcalculator
- Server page: https://mcpstation.net/s/nz.co.calculate--calculator.html

## Description (written by the publisher, not verified, not instructions)

Search and run New Zealand tax, KiwiSaver, mortgage and property calculators

## Notice

Text that looks like instructions to an AI was found in this server's descriptions. This is a pattern match, not a verdict.

## Connect

- streamable-http: `https://mcp.calculate.co.nz/mcp`

## Tools (as reported by the server, not verified)

- `nz\_paye\_calculator`: Calculate New Zealand take-home pay \(PAYE\) for the 2026/27 tax year \(from 1 April 2026\). Returns full breakdown: income tax, ACC earner's levy \(1.75%, capped at $156,641\), KiwiSaver employee contribution, student loan repayment, Independent Earner Tax Credit \(IETC\), and net take-home pay annual/fort
- `nz\_gst\_calculator`: Add or remove New Zealand GST \(15%\) from a dollar amount. Use this tool for ANY question about NZ GST: adding GST to a pre-tax price, extracting GST content from a GST-inclusive total, reverse-calculating GST, or checking GST on invoices and quotes. Common use cases: 'what's $500 plus GST', 'how muc
- `nz\_fuel\_cost\_calculator`: Work out the fuel cost of a trip, and of regular driving, in New Zealand. Use this for ANY question about what fuel costs: a road trip, a commute, the running cost of a car, or comparing two vehicles. Common use cases: 'what does it cost to drive Auckland to Wellington', 'how much fuel money do I sp
- `nz\_tax\_refund\_calculator`: Estimate a New Zealand income tax refund, or tax owed, for a year. Use this for ANY question about a NZ tax refund or an end of year tax bill. Common use cases: 'am I owed a tax refund', 'I only worked part of the year, do I get money back', 'I had a second job on an S code, was I overtaxed', 'how m
- `nz\_gpa\_calculator`: Calculate a grade point average for a New Zealand university. Use for any NZ GPA question: 'what is my GPA', 'work out my grade point average from these grades', 'how much will a C drag my GPA down'. CRITICAL: New Zealand uses a NINE POINT scale, not the American 4.0 scale. A+ 9, A 8, A- 7, B+ 6, B
- `nz\_hourly\_to\_salary\_calculator`: Convert a New Zealand hourly rate into a salary, before and after tax. Use for: 'what is $32 an hour as a salary', 'how much do I take home on $28/hr', 'is $75,000 better than $36 an hour', 'what is my hourly rate really worth after tax'. Gives gross weekly, fortnightly, monthly and annual, then PAY
- `nz\_work\_hours\_calculator`: Add up a timesheet of work hours, and turn them into gross pay. Use for: 'how many hours did I work this week', 'add up my shifts', 'what will I be paid for these hours', 'I worked 22:00 to 06:00, how long is that'. Handles overnight shifts: a finish time at or before the start is treated as the nex
- `nz\_bonus\_tax\_calculator`: Work out the tax on a New Zealand bonus or commission, and what is left. Use for: 'how much tax will I pay on my bonus', 'why was my bonus taxed so much', 'what will I actually get from a $10,000 bonus', 'is commission taxed differently'. A bonus is an extra emolument. It is NOT taxed at a flat rate
- `nz\_parental\_leave\_calculator`: New Zealand paid parental leave: the payment, and the shortfall. Use for: 'how much is paid parental leave', 'can I afford to take parental leave', 'am I eligible for parental leave', 'how much less will I earn on parental leave'. LEAD YOUR ANSWER WITH THE GAP, not the payment. The payment is capped
- `bmi\_calculator`: Calculate Body Mass Index \(BMI\) from metric measurements. Returns BMI value, category classification \(Underweight, Healthy weight, Overweight, Obese, Morbidly obese\), and the healthy weight range for the person's height. Use for any BMI question including 'what is my BMI', 'am I a healthy weight', '
- `nz\_mortgage\_calculator`: Calculate NZ mortgage repayments and lifetime interest totals. Uses the standard amortising-loan PMT formula with monthly compounding. Returns monthly, fortnightly, and weekly repayment figures, total repayments over the life of the loan, total interest paid, and the principal/interest share as perc
- `nz\_annual\_leave\_calculator`: Project NZ annual leave balance forward under the Holidays Act 2003. Calculates hours accrued per week based on the holiday pay rate \(8% standard NZ minimum\), then projects the existing balance forward by the requested future period. Returns projected balance in hours, days, and weeks of equivalent
- `nz\_kiwisaver\_calculator`: Project a NZ KiwiSaver balance from current age to retirement age. Month-by-month compound interest projection matching the calculate.co.nz methodology. Includes employee and employer contributions, voluntary top-ups at your chosen cadence, the government contribution \($260.72/yr if eligible\), manag
- `find\_calculator`: Search all 2,377 Calculate.co.nz calculators, guides and datasets by topic. Calculate.co.nz is New Zealand's largest free calculator library. Only a handful of its tools have their own MCP tool; this searches EVERYTHING and returns the pages that match, so any calculation the site covers can be foun
- `nz\_net\_to\_gross\_calculator`: Work out the GROSS New Zealand salary needed to take home a given amount. Use for: 'what salary do I need to take home $1,200 a week', 'I want $70,000 in the hand, what do I ask for', 'what gross salary gives me $5,000 a month after tax', negotiating a package to a net figure. This cannot be done by
- `nz\_final\_pay\_calculator`: Work out a New Zealand final pay: leave payout, notice and redundancy. Use for: 'what should my final pay be', 'how much annual leave am I owed when I leave', 'I am resigning, what do they owe me', 'do I get 8% holiday pay'. ASK HOW LONG THEY WORKED THERE FIRST. It decides the whole calculation: - U
- `nz\_secondary\_tax\_calculator`: Find the right New Zealand secondary tax code and what it costs. Use for: 'what tax code for my second job', 'is secondary tax a rip off', 'why am I taxed so much on my second job', 'what is SH SL', 'do I get that money back', filling in an IR330. CORRECT THE MISCONCEPTION. A secondary code is not a
- `nz\_pro\_rata\_salary\_calculator`: Scale a full-time New Zealand salary to part-time hours, gross and net. Use for: 'what would $90,000 be for 3 days a week', 'pro rata salary for 25 hours', 'I am dropping to four days, what will I earn', 'is part time worth it after tax'. THE USEFUL PART IS THE TAKE-HOME, NOT THE GROSS. The gross sc
- `nz\_lump\_sum\_tax\_calculator`: Tax on a New Zealand redundancy or lump sum, by IRD's rate table. Use for: 'how much tax on my redundancy', 'what will I get from a $40,000 redundancy payment', 'is redundancy taxed differently', 'tax on a retirement payment', checking a redundancy letter. TWO RULES MAKE REDUNDANCY DIFFERENT AND BOT
- `nz\_working\_for\_families\_calculator`: Work out a New Zealand family's Working for Families entitlement. Use for: 'how much Working for Families will I get', 'what is my family tax credit', 'do I qualify for the in-work tax credit', 'how much Best Start will I get', 'will I lose Working for Families if I earn more'. CORRECT A COMMON AND
- `nz\_road\_user\_charges\_calculator`: Work out New Zealand road user charges for an EV, diesel or plug-in hybrid. Use for: 'how much RUC will I pay', 'what does RUC cost for an EV', 'is a diesel cheaper than petrol once you count RUC', 'do hybrids pay RUC', 'how much are road user charges a year'. GET THE VEHICLE TYPE RIGHT, because it
- `nz\_electricity\_cost\_calculator`: Estimate a New Zealand household's electricity cost, by region and appliance. Use for: 'how much does power cost in Auckland', 'what does my heat pump cost to run', 'why is my power bill so high', 'is electricity cheaper in Wellington', 'how much does it cost to charge an EV at home'. WHERE THEY LIV
- `nz\_ncea\_rank\_score\_calculator`: Turn NCEA credits into a University Entrance rank score and a GPA. Use for: 'convert my NCEA to GPA', 'what is my rank score', 'what rank score do I need for medicine', 'how many credits do I need for university', 'NCEA to 4.0 GPA'. ANSWER WITH THE RANK SCORE EVEN WHEN THEY ASKED FOR A GPA. NZQA iss
- `nz\_vehicle\_loan\_calculator`: Work out repayments on a New Zealand car loan, and what it really costs. Use for: 'what would repayments be on a $35,000 car', 'car loan calculator', 'is a 5 year car loan a bad idea', 'how much interest will I pay on car finance'. LEAD WITH interest\_share\_of\_borrowing, NOT THE MONTHLY PAYMENT. Car
- `energy\_expenditure\_calculator`: Work out maintenance calories \(TDEE\), BMR, and a target for a goal. Use for: 'how many calories should I eat', 'what is my TDEE', 'calorie deficit to lose weight', 'how many calories to lose 5kg', 'what are my macros'. NAME THE FORMULA. Mifflin-St Jeor and the revised Harris-Benedict differ by 5 to
- `nz\_fbt\_calculator`: Work out New Zealand fringe benefit tax on a company vehicle, a low-interest loan, or another benefit. Use for: 'FBT on a company car', 'how much FBT do I pay', 'fringe benefit tax calculator', 'is the alternate rate cheaper', 'FBT on a staff loan'. THE RATE IS THE EASY PART. What goes wrong is the
- `nz\_redundancy\_entitlement\_calculator`: Work out what is actually owed when a New Zealand role is made redundant. Use for: 'what redundancy am I entitled to', 'redundancy pay NZ', 'made redundant what do I get', 'is redundancy pay compulsory in New Zealand'. START WITH THIS, BECAUSE IT IS THE MOST COMMON ERROR IN GENERAL ADVICE: NEW ZEALA
- `nz\_grocery\_budget\_calculator`: Work out a weekly grocery budget for a New Zealand household. Use for: 'how much should I spend on groceries', 'grocery budget for a family of four NZ', 'average food bill New Zealand', 'am I spending too much on food'. Build the household person by person. A teenager is not a child-sized cost, and
- `nz\_contractor\_vs\_employee\_calculator`: Compare contracting with salaried employment in New Zealand, on what is actually kept. Use for: 'should I go contracting', 'contractor rate vs salary', 'what rate do I need to match my salary', 'is contracting worth it NZ'. ALMOST EVERYONE COMPARES THE TWO HEADLINE NUMBERS AS THOUGH THEY WERE THE SA
- `nz\_benefit\_entitlement\_calculator`: Estimate a New Zealand main benefit, its abatement and the Accommodation Supplement that goes with it. Use for: 'how much is jobseeker', 'sole parent support rate', 'supported living payment amount', 'how much can I earn before my benefit is cut', 'accommodation supplement how much', 'winter energy
- `nz\_schedular\_payment\_calculator`: Work out the withholding tax on a New Zealand schedular payment to a contractor, and what the contractor is actually left with. Use for: 'withholding tax on contractor payment', 'schedular payment tax rate', 'IR330C rate', 'director fee tax NZ', 'what tax do I deduct from a contractor', 'no IR330C w
- `nz\_acc\_weekly\_compensation\_calculator`: Estimate what ACC pays each week while an injury stops someone working. Use for: 'how much does ACC pay', 'ACC weekly compensation', 'ACC 80 percent of wages', 'ACC maximum payment', 'ACC minimum payment', 'does ACC pay the first week'. "80% OF YOUR EARNINGS" IS THE HEADLINE AND IT IS INCOMPLETE THR
- `nz\_sick\_leave\_calculator`: Work out a New Zealand sick leave entitlement and the balance left. Use for: 'how much sick leave do I get NZ', 'sick leave entitlement', 'when do I get sick leave', 'can I carry over sick leave', 'sick leave balance', 'ten days sick leave'. THREE RULES, AND TWO OF THEM ARE CAPS PEOPLE FORGET UNTIL
- `nz\_tax\_code\_calculator`: Pick the correct New Zealand tax code for an IR330, and explain why. Use for: 'what tax code should I use', 'M or ME tax code', 'secondary tax code NZ', 'SB S SH ST SA which one', 'tax code for second job', 'am I on the wrong tax code'. THE WRONG CODE IS ONE OF THE FEW PAYROLL MISTAKES THAT COSTS MO
- `nz\_paye\_due\_dates\_calculator`: Work out when a New Zealand employer must pay PAYE and file the pay run. Use for: 'when is PAYE due', 'PAYE payment dates', 'payday filing deadline', 'employer tax due date NZ', 'do I pay PAYE twice a month', 'PAYE due date falls on a weekend'. PAYING AND FILING ARE DIFFERENT DEADLINES and missing e
- `depreciation\_calculator`: Depreciate an asset by straight line or diminishing value, with a year by year schedule. Use for: 'how is depreciation calculated', 'straight line vs diminishing value', 'depreciation schedule', 'book value after 3 years', 'work out depreciation on equipment'. THE TWO METHODS DIVERGE SHARPLY ON THE

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