Disposable Income Calculator
Income left after tax and fixed costs.
NZ$
Monthly fixed costs
NZ$
NZ$
NZ$
NZ$
Monthly disposable income
$1,016.67
After tax & essentials. Annual: $12,200.00
| Monthly take-home | $4,916.67 |
|---|---|
| Fixed costs | −$3,900.00 |
| Disposable | $1,016.67 |
About this calculator
Disposable income = take-home pay − the bills you can't avoid. What's left for savings and discretionary spending.
- Use this to set a realistic savings rate.
- Compare with the 50/30/20 rule (50% needs / 30% wants / 20% saving).
Frequently asked questions
What counts as "fixed"?
Rent/mortgage, council rates, utilities, insurance, phone/internet, transport, groceries (necessities portion).
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.