Free NZ tools. No sign-up.
Know whatyou're owed.Know whatyou owe.
Free New Zealand tools and plain-English guides for your pay, your home, your bills and your vote. Answer a few questions, get a clear answer.
Your Pay
Is yourfinal payright?
Holiday pay is owed on everything you earned. Work out what should land when you leave a job.
Your Home
Can yourlandlorddo that?
Check a rent rise, or find the earliest date a tenancy can end, using the rules from Tenancy Services.
Your Bills
What is itreallycosting you?
See what prices are doing and what that adds up to for your household over a year.
Your Vote
Ready tovote on7 November?
Check you can vote, when enrolment closes and what to bring. Non-partisan and free.
Nothing you type leaves your device.
ExampleTake-home pay
$53,104.50
a year, on a $70,000 salary
Income tax-$13,220.50
ACC levy-$1,225.00
KiwiSaver 3.5%-$2,450.00
Try it with your pay →ExampleFinal pay
$1,600.00
holiday pay owed on $20,000 earned
Earnings in the job$20,000.00
Holiday pay rate8%
Added to final pay$1,600.00
Work out your holiday pay →ExampleRent rise
60 days
written notice before rent can go up
How oftenEvery 12 months
Boarding houses28 days
SourceTenancy Services
Check your dates →ExamplePrices
4.1%
price rise in the year to June 2026
Weekly spend$1,000
Same shop a year on$1,041
Extra over a year$2,132
See your household →Key dateYour vote
25 Oct
enrolment closes at midnight
Advance voting starts26 Oct
Election daySat 7 Nov
ID needed to voteNone
Get your voting plan →Every number comes from official sources
Pick a section
Most used tools
Payslip checkerType in your payslip and see if your tax, ACC and KiwiSaver add up.→Take-home payTurn a salary or hourly rate into what lands in your bank, after tax.→Holiday payAnnual holidays, the 8% top-up and final pay, worked out the way the law says.→Rent or buy plannerWatch your money in both futures, year by year, and see if buying pulls ahead.→Rent increase and tenancy noticesCheck a rent rise, or find the earliest date a tenancy can end.→Cost of living dashboardThe national numbers, then what rising prices cost your household.→
Official sources
Every tool follows official guidance and links its source.
Plain English
The number that matters, the catch, and how sure we are.
No hidden sponsors
Anything paid is labelled, and money never changes a result. Read our standards.
Interview Room
Walk into Work and Income ready.
Get a checklist of what to bring and what to ask for, then practice the conversation with a case manager before the real one. Free, and nothing you choose leaves your device.
Articles
Latest articles
Your RightsHow much paid parental leave can I get in New Zealand?How paid parental leave works in NZ: 26 weeks, the $811.05 weekly maximum, who qualifies, how to apply to...Read more →
Your PayHow does Working for Families work, and how much could I get?Working for Families explained for 2026/27: family tax credit, in-work tax credit ($147 a week), Best...Read more →
Your HomeHow much bond can a landlord charge in NZ, and how do you get it back?How rental bonds work in NZ in 2026: the 4 week cap, the new 2 week pet bond, the 23 working day lodging...Read more →
Your BillsHow do I switch power companies without getting burned?How to compare and switch power companies in NZ with Billy or Powerswitch, discounts to watch, the 2027...Read more →
Your PayHow much of my pay goes to my student loan?NZ student loan repayments for 2026/27: 12% of pay over $24,128 a year ($464 a week). SL tax codes,...Read more →
Your RightsHow much sick leave do I get in New Zealand?NZ sick leave explained: 10 paid days a year after 6 months, carry-over to 20 days, medical certificate...Read more →Guides
Guides
Plain-English guides to the rules behind your pay, rent, bills and rights, each with the current figures and a worked example.
Your BillsTemporary Additional Support: help when your costs are more than your incomeCan't cover rent, power and food each week? Temporary Additional Support tops up your income for up to 13...Read more →Your BillsSpecial Needs Grant: one-off help with an essential or emergency costA one-off Work and Income payment for dental work, an ambulance bill or other urgent costs you cannot pay....Read more →Your RightsHow much paid parental leave can I get in New Zealand?How paid parental leave works in NZ: 26 weeks, the $811.05 weekly maximum, who qualifies, how to apply to...Read more →Your BillsFood grant: urgent help to buy food from Work and IncomeNo money for food this week? A Work and Income food grant does not need to be paid back and you do not...Read more →Your BillsDisability Allowance: help with the ongoing costs of a health conditionOngoing health or disability costs? The Disability Allowance pays up to $82.85 a week, and you do not need...Read more →Your BillsAdvance Payment of Benefit: getting part of your benefit earlyOn a benefit or NZ Super and hit with an urgent bill? An Advance Payment of Benefit can help, but you pay...Read more →
Your RightsHow much paid parental leave can I get in New Zealand?How paid parental leave works in NZ: 26 weeks, the $811.05 weekly maximum, who qualifies, how to apply to...Read more →Your BillsFood grant: urgent help to buy food from Work and IncomeNo money for food this week? A Work and Income food grant does not need to be paid back and you do not...Read more →Your BillsDisability Allowance: help with the ongoing costs of a health conditionOngoing health or disability costs? The Disability Allowance pays up to $82.85 a week, and you do not need...Read more →Your BillsAdvance Payment of Benefit: getting part of your benefit earlyOn a benefit or NZ Super and hit with an urgent bill? An Advance Payment of Benefit can help, but you pay...Read more →Guides
Popular guides
- NZ minimum wage 2026The current adult, starting-out and training rates
- KiwiSaver contribution rates 2026What comes out of your pay and what your employer adds
- NZ tax codes explainedPick the right code so you are not overtaxed
- Healthy Homes standards for rentersHeating, insulation and what your landlord must do
- 90-day trial periods in NZWhen a trial period is valid and your rights in it
- Final pay when you leave a jobHoliday pay, notice and what your last payslip should show
- Ending a tenancy: notice periodsHow much notice tenants and landlords must give
- Holidays Act replacement in 2028What the new Employment Leave Act changes
- Unpaid wages ordered back to workersA restaurant case and how to claim what you are owed
- Tenant numbers and landlord IDsWhat the new Tenancy Services letters mean
- Who pays water when you rentWater charges split between landlords and tenants
Got a question? Ask Streetwise.
Short videos explain how each tool works. Watch, then drop your question in the comments.