NZ Tax Refund Estimator
Estimate a New Zealand tax refund or tax to pay by comparing annual income tax and ACC with PAYE, RWT, donation credits, IETC, and other credits.
Regional Rule Context
New Zealand Rates and Rules
Estimates a refund or tax to pay by comparing calculated income tax and ACC with tax paid and credits entered by the user. IRD makes the official assessment.
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Result
Enter values above and click Calculate to see your result.
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This is not an official IRD assessment. It excludes student loan, Working for Families, schedular payment adjustments, and many special income or tax-credit situations.
Disclaimer: This calculator uses publicly available rules effective as of Apr 18, 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
The estimator calculates income tax and ACC on taxable income, then subtracts PAYE withheld, RWT, and credits to estimate a refund or amount to pay.
New Zealand FAQs
Is this my official refund?
No. IRD calculates the official result after income, tax paid, and credits are assessed.
What counts as tax already paid?
PAYE withheld and resident withholding tax are treated as credits against final income tax in this estimator.
Does it include ACC?
Yes. It estimates ACC earners levy on the entered income.
Can tax credits change the result?
Yes. Donation credits, IETC, and other entered credits reduce the final amount to pay or increase the refund estimate.
How can I put this NZ Tax Refund Estimator on my blog or website?
Yes, the NZ Tax Refund Estimator is fully embeddable. Tap "Embed" above to configure appearance and copy the code. It is free to use, works on any platform (HTML, WordPress, CMS), and adjusts to any screen size automatically. Visit calculory.com/services/embed-calculators for the complete guide.
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