Contractor Calculator
Calculate your true take-home pay as a contractor
Contractor Calculator
Your take-home pay
per year
Effective hourly:
Your hourly rate after tax, ACC, and KiwiSaver — based on your contracted hours and weeks. Useful for comparing against salaried roles.
Effective daily:
Income breakdown
Gross income
GST collected (15%)
Business expenses
Taxable income
Deductions
Income tax
ACC levy (2.40%)
Net take-home breakdown
| Period | Net |
|---|---|
| annual | |
| monthly | |
| fortnightly | |
| weekly |
Income breakdown
Contractor costs
Equivalent PAYE salary
Cost of no paid leave
Provisional tax (per instalment)
GST (per quarter)
| Rate | Income | Tax |
|---|
These calculations are provided as a guide only. Contractor tax situations vary — consult an accountant for advice specific to your circumstances.
ACC levy uses the self-employed rate (2.40%). Actual levy may differ based on your industry classification.
NZ Contractor Calculator
Calculate your actual take-home pay as a contractor or freelancer. This calculator accounts for business expenses, ACC self-employed levy, provisional tax, and GST.
Unlike PAYE employees, contractors are responsible for their own tax payments and don't get paid leave — we'll show you the real cost difference.