NZ Sole Trader Tax Estimator
Estimate New Zealand sole trader income tax and ACC earners levy from business income, deductible expenses, and other taxable income.
Regional Rule Context
New Zealand Rates and Rules
Estimates sole trader income tax on net profit plus ACC earners levy using the selected ACC tax year. ACC work levies vary by industry and can be added as an optional percentage.
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Result
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This is a planning estimate. Sole traders file an IR3, pay income tax on net profit, may need provisional tax if residual income tax exceeds $5,000, and receive ACC invoices separately.
Disclaimer: This calculator uses publicly available rules effective as of Apr 1, 2026 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 18, 2026.
Formula
Sole traders pay individual income tax on net profit. This estimator calculates tax attributable to sole trader profit, then adds ACC earners levy using the selected ACC year and an optional work levy percentage.
New Zealand FAQs
How are sole traders taxed in New Zealand?
Sole traders pay individual income tax on net profit, which is business income less deductible business expenses.
Do sole traders pay ACC?
Yes. Self-employed people generally receive ACC cover and pay ACC levies based on liable earnings and work type.
Does this include GST?
No. GST is separate. You generally need to register for GST if taxable supplies exceed $60,000 in a 12-month period.
When does provisional tax apply?
IRD says provisional tax generally applies if residual income tax from the previous return is more than $5,000.
Can I use this NZ Sole Trader Tax Estimator on my own web page?
You can. Look for the "Embed" button near the top of this calculator. It lets you pick a size, border style, and color palette, then gives you an iframe tag to paste into any webpage. The widget is responsive, loads fast, and costs nothing. More details at calculory.com/services/embed-calculators.
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