Net Worth Calculator
Track assets and debts across KiwiSaver, PIE funds, shares, property, and more. Get personalised NZ tax-optimisation tips based on your KiwiSaver contribution rate, PIR, and marginal rate.
Net Worth
$285,000
Assets
$795,000
Liabilities
$510,000
Debt / Asset
64%
Liquidity
4% liquid
Tax-Advantaged %
86%
Annual Member Tax Credit: contribute $1,042.86 to get $521.43 government top-up (July–June year). Easy 50% return.
KiwiSaver calculatorEst. value: ~$521/yr
Your PIE tax rate (PIR) could cap earnings tax at 28% instead of your 30% marginal rate. Check your PIR is set correctly with your provider.
PIR calculatorEst. value: ~$20/yr
Frequently asked questions
What counts as net worth in NZ?
Net worth = assets (cash, KiwiSaver, PIE funds, direct shares, home, rental property, vehicles) minus liabilities (mortgage, student loan, credit cards).
Include my primary home?
Yes — use market value. Homes are illiquid (real estate commission 2-4%). The liquidity ratio separates liquid from illiquid assets.
Tax-advantaged % by age?
Under 30: aim for 60-70% (KiwiSaver + PIE funds). 30-44: 50-60%. 45-59: 40-50%. 60+: drawdown strategy matters more. NZ's main tax-advantaged structures are KiwiSaver and PIE funds (capped at 28% PIR vs 33-39% marginal).
How do I improve tax-advantaged %?
Contribute at least 3% to KiwiSaver (full employer match). Add $1,042.86/year to get the $521.43 government Member Tax Credit. Move non-KiwiSaver savings into PIE funds (capped at 28% vs your marginal rate).
NZ tax-advantaged account types?
KiwiSaver (employer match + government MTC + locked until 65). PIE funds (earnings capped at 28% PIR rather than marginal). FIF rules on overseas shares > NZ$50k. Principal residence is not taxed on sale (outside bright-line).
Related Calculators
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PIR Calculator
Find your correct Prescribed Investor Rate for PIE funds.
PIE vs Direct Investment
Compare PIE funds (28% cap) against direct investing at marginal rates.
Savings Goal Calculator
Plan how long to reach a savings target with compound growth.