Canada and New Zealand Calculators: GST/HST, RRSP, Mortgage, PAYE, KiwiSaver and Public Holidays
Free calculators for Canada (GST/HST, RRSP, mortgage, holidays) and New Zealand (PAYE, KiwiSaver, public holidays). Private, in your browser.
Moving to or working in Canada or New Zealand brings new tax rules and savings schemes. These free calculators cover the common questions. They run in your browser and keep your numbers private.
Quick answer
| Question | Tool |
|---|---|
| Sales tax for a province | Canada GST/HST Calculator |
| RRSP deduction and tax saved | Canada RRSP Calculator |
| Mortgage payment with semi-annual compounding | Canada Mortgage Calculator |
| Federal holidays | Canada Statutory Holidays |
| Take-home pay in New Zealand | NZ PAYE Calculator |
| KiwiSaver balance | NZ KiwiSaver Calculator |
| New Zealand public holidays | NZ Public Holidays |
Canada
GST is 5 percent everywhere. Some provinces combine it with a provincial tax in a harmonized HST, such as 13 percent in Ontario and 15 percent in the Atlantic provinces, while others add a separate PST or QST. The sales tax tool uses the combined rate for each province.
RRSP contributions reduce taxable income, so you get a refund at your marginal rate. The limit is 18 percent of earned income up to $33,810 for 2026. Fixed-rate Canadian mortgages compound semi-annually, which the mortgage calculator applies so the payment matches a lender quote.
New Zealand
PAYE rates run from 10.5 to 39 percent, with an ACC earners' levy and an optional KiwiSaver deduction. KiwiSaver employer contributions are at least 3 percent, rising to 3.5 percent in April 2026 and 4 percent in 2028. The holidays tool includes Matariki dates up to 2040.
Tips
- Compare an RRSP with a TFSA, depending on your tax rate now and later.
- Choose a KiwiSaver fund that suits your time horizon and check the fees.
- Student loan repayments are not included in the NZ PAYE tool.
Frequently asked questions
Are the rates current? They are standard rates and change in budgets, so check the revenue authority.
Is my data sent anywhere? No. Calculations run in your browser.
