Terms of Service

1. Acceptance of Terms

By accessing and using the NZ Pay Calculator website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website located at paycalculator.co.nz (or such other URL as we may provide) and any related services provided by NZ Pay Calculator.

2. Description of Service

NZ Pay Calculator is a free online tool that provides salary and tax calculations for New Zealand residents. The service includes:

• PAYE tax calculations based on current IRD rates
• KiwiSaver contribution calculations
• Student loan repayment estimates
• ACC levy calculations
• Take-home pay calculations for various pay periods
• Tax band and rate information

3. Use License

Permission is granted to temporarily use this website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

4. Disclaimer

The materials on NZ Pay Calculator's website are provided on an 'as is' basis. NZ Pay Calculator makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Tax Calculation Disclaimer: The calculations provided by this tool are estimates only and should not be considered as professional tax advice. Tax laws and rates change frequently, and individual circumstances may vary significantly.

No Guarantee of Accuracy: While we strive to provide accurate calculations based on current IRD information, we cannot guarantee the accuracy of results. Always verify calculations with official sources or qualified professionals.

5. Limitations

In no event shall NZ Pay Calculator or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on NZ Pay Calculator's website, even if NZ Pay Calculator or a NZ Pay Calculator authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Accuracy of Materials

The materials appearing on NZ Pay Calculator's website could include technical, typographical, or photographic errors. NZ Pay Calculator does not warrant that any of the materials on its website are accurate, complete or current.

NZ Pay Calculator may make changes to the materials contained on its website at any time without notice. However, NZ Pay Calculator does not make any commitment to update the materials.

7. Links

NZ Pay Calculator has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by NZ Pay Calculator of the site.

Use of any such linked website is at the user's own risk. We provide links to official government websites (IRD, Work and Income, etc.) for informational purposes only.

8. Modifications

NZ Pay Calculator may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.

We will notify users of any material changes to these terms by posting a notice on our website or updating the "Last updated" date at the top of this page.

9. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

We do not collect, store, or process your personal financial information. All calculations are performed locally in your browser and are not transmitted to our servers.

10. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of New Zealand and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

11. Contact Information

If you have any questions about these Terms of Service, please contact us: