Business & Pricing Calculators

NZ Tradie Hourly Rate Calculator

Work out what to charge per hour based on your target income, overheads, and billable hours. Includes ACC levy estimates.

NZ Job Cost & Quote Builder

Calculate job costs, apply your markup, and produce a quote price with GST for NZ tradie jobs — with regional labour rates by city.

Quote Builder Wizard — Build a Professional NZ Tradie Quote Step by Step

Build a complete, professional quote for any NZ trade job in 4 steps — labour, materials, markup, GST, and a printable summary your client can sign.

Labour Cost Calculator — NZ Tradies

Calculate total labour cost for a job, team, or project in NZ. Includes on-costs, overhead loading, and a profitability check for your quote.

Business Breakeven Calculator — NZ Tradies

Free NZ breakeven calculator for tradies — work out your breakeven point, minimum monthly revenue and profit margin so you know exactly what you must bill.

Cash Flow Forecast Calculator — 12-Week Tradie Business Planner

Plan your tradie business cash flow 12 weeks ahead — track expected income, expenses, tax reserve, and running balance to spot cash gaps before they hit.

Markup vs Margin Calculator for NZ Tradies

Convert between markup percentage and gross margin percentage — a common source of confusion that can cost tradies thousands.

Materials Price Escalation Calculator — Budget for Rising Costs NZ

Calculate the impact of materials price inflation on your construction quote — ensure your estimate accounts for rising costs over the project duration.

NZ Equipment Finance & Loan Calculator for Tradies

Calculate weekly repayments, total interest and true cost of financing tools, vehicles or equipment for your NZ tradie business.

NZ Construction Retentions Calculator

Free NZ retentions calculator — work out retention amounts, release dates and trust requirements under the Construction Contracts Act. Instant results.

Apprentice Wage Calculator — NZ Training Rates 2026

Free NZ apprentice wage calculator — minimum and typical pay rates by trade, training year and hours worked. Updated for April 2026 minimum wage.

NZ Employee Total Cost of Employment Calculator 2026

Calculate the true cost of employing a worker in NZ — including wages, KiwiSaver, ESCT, ACC, annual leave, sick leave and public holidays.

NZ Contractor vs Employee Tax Calculator 2025–26

Compare net take-home pay as a self-employed contractor versus a PAYE employee on the same gross income — including tax, ACC, KiwiSaver and leave.

Critical Risk Register Generator

Build a critical risk register for your NZ trade business in 5 minutes — free. Pre-loaded with the common critical risks per trade, ready for the 2027 health and safety law changes.