{"id":819,"date":"2022-04-14T10:58:31","date_gmt":"2022-04-13T22:58:31","guid":{"rendered":"https:\/\/marketingwebsite.afirmo.com\/nz\/?page_id=819"},"modified":"2024-08-06T17:44:42","modified_gmt":"2024-08-06T05:44:42","slug":"self-employment-tax-calculator","status":"publish","type":"page","link":"https:\/\/www.afirmo.com\/nz\/calculators\/self-employment-tax-calculator\/","title":{"rendered":"Self Employed Tax Calculator"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-padding-right-medium:0px;--awb-padding-left-medium:0px;--awb-padding-right-small:0px;--awb-padding-left-small:0px;--awb-background-color:#231f20;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:0;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-1 fusion-content-widget-area learning-hub-category-links\" style=\"--awb-title-color:#231f20;--awb-padding:0px 0px 0px 0px;\"><div id=\"nav_menu-2\" class=\"widget widget_nav_menu\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"menu-learning-hub-category-list-container\"><ul id=\"menu-learning-hub-category-list\" class=\"menu\"><li id=\"menu-item-299\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-299\"><a href=\"https:\/\/www.afirmo.com\/nz\/learning-hub\/\">All<\/a><\/li>\n<li id=\"menu-item-298\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-298\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/starting-a-business\/\">Starting a business<\/a><\/li>\n<li id=\"menu-item-642\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-642\"><a href=\"https:\/\/www.afirmo.com\/nz\/calculators\/\">Calculators<\/a><\/li>\n<li id=\"menu-item-1671\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1671\"><a href=\"https:\/\/www.afirmo.com\/nz\/ebooks\/\">eBooks<\/a><\/li>\n<li id=\"menu-item-297\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-297\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/money-and-tax\/\">Money &amp; tax<\/a><\/li>\n<li id=\"menu-item-295\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-295\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/brand-and-marketing\/\">Brand &amp; marketing<\/a><\/li>\n<li id=\"menu-item-296\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-296\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/getting-online\/\">Getting online<\/a><\/li>\n<li id=\"menu-item-572\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-572\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/risk-insurance\/\">Risk &amp; Insurance<\/a><\/li>\n<li id=\"menu-item-2696\" class=\"menu-item menu-item-type-taxonomy menu-item-object-category menu-item-2696\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/category\/must-reads\/\">Must Reads<\/a><\/li>\n<\/ul><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container afirmo-calculator-content-before nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-transform:none;\"><h2>Tax calculator for self-employed Kiwis<\/h2>\n<p>When you\u2019re earning a salary or wages and paying PAYE, your employer takes care of deductions for income tax, ACC, student loan repayments and any child support payments.\u00a0 But when you\u2019re self-employed as a contractor, freelancer, tradie or sole trader, it\u2019s all up to you. Working out how much tax you should set aside can be a real challenge and most online tax calculators don\u2019t work for self-employment.<\/p>\n<p>We\u2019re here to help self-employed people by making the hard things easy wherever we can. That\u2019s why we build this handy online self-employment tax calculator.<\/p>\n<p>Even if you also have some PAYE employment, in seven easy steps you\u2019ll get an estimate of your annual:<\/p>\n<ul>\n<li>ACC levies<\/li>\n<li>Student loan repayments<\/li>\n<li>KiwiSaver contributions<\/li>\n<li>Income tax to set aside<\/li>\n<li>Effective self-employed tax rate<\/li>\n<li>The grand total<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container with-grey-triangle-left nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:64px;--awb-padding-bottom:64px;--awb-padding-top-medium:48px;--awb-padding-bottom-medium:48px;--awb-padding-top-small:32px;--awb-padding-bottom-small:32px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\">\n<div class=\"afirmo-self-employment-tax-calculator\">\n\t<div class=\"calculator-wrap\">\n\n\t\t<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_unknown gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_3' ><div id='gf_3' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_3' id='gform_3'  action='\/nz\/wp-json\/wp\/v2\/pages\/819#gf_3' data-formid='3' novalidate> \r\n <input type='hidden' class='gforms-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/>\n                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_3_1\" class=\"gfield gfield--type-select calc-input box-1 field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_1'>I am a...<\/label><div class='ginput_container ginput_container_select'><select name='input_1' id='input_3_1' class='large gfield_select'     aria-invalid=\"false\" ><option value='' selected='selected' class='gf_placeholder'>Please choose...<\/option><option value='Contractor' >Contractor<\/option><option value='Freelancer' >Freelancer<\/option><option value='Sole Trader' >Sole Trader<\/option><option value='Self-Employed' >Self-Employed<\/option><option value='Tradie' >Tradie<\/option><option value='Other' >Other<\/option><\/select><\/div><\/div><div id=\"field_3_2\" class=\"gfield gfield--type-number calc-input income box-2 currency field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_2'>From all my self-employed, contracting and freelance income, excluding GST, I will earn \u2026<\/label><div class='ginput_container ginput_container_number'><input name='input_2' id='input_3_2' type='text' step='any'   value='$ 0.00' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_3\" class=\"gfield gfield--type-number gfield--width-full calc-input salary box-3 currency field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_3'>My annual salary from my permanent\/PAYE job is \u2026<\/label><div class='ginput_container ginput_container_number'><input name='input_3' id='input_3_3' type='text' step='any'   value='$ 0.00' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_4\" class=\"gfield gfield--type-number gfield--width-full calc-input other-income box-4 currency field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_4'>This year, the estimated total of my other income (interest, dividends, rental income) will be \u2026<\/label><div class='ginput_container ginput_container_number'><input name='input_4' id='input_3_4' type='text' step='any'   value='$ 0.00' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_5\" class=\"gfield gfield--type-number gfield--width-full calc-input expenses box-5 currency field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_5'>The total amount of my business or home office expenses for this year will be \u2026<\/label><div class='ginput_container ginput_container_number'><input name='input_5' id='input_3_5' type='text' step='any'   value='$ 0.00' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_8\" class=\"gfield gfield--type-select gfield--width-full calc-input student-loan box-6 field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_8'>I have a student loan \u2026<\/label><div class='ginput_container ginput_container_select'><select name='input_8' id='input_3_8' class='large gfield_select'     aria-invalid=\"false\" ><option value=''  class='gf_placeholder'>Please choose...<\/option><option value='Yes' >Yes<\/option><option value='No' selected='selected'>No<\/option><\/select><\/div><\/div><div id=\"field_3_9\" class=\"gfield gfield--type-select gfield--width-full calc-input kiwisaver box-7 field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_9'>I would also like to make voluntary KiwiSaver contributions of \u2026<\/label><div class='ginput_container ginput_container_select'><select name='input_9' id='input_3_9' class='large gfield_select'     aria-invalid=\"false\" ><option value=''  class='gf_placeholder'>Please choose...<\/option><option value='None' selected='selected'>None<\/option><option value='3%' >3%<\/option><option value='4%' >4%<\/option><option value='6%' >6%<\/option><option value='8%' >8%<\/option><option value='10%' >10%<\/option><\/select><\/div><\/div><div id=\"field_3_26\" class=\"gfield gfield--type-select gfield--width-full calc-input threshold box-8 field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_26'>Income tax rates<\/label><div class='ginput_container ginput_container_select'><select name='input_26' id='input_3_26' class='large gfield_select'     aria-invalid=\"false\" ><option value='Composite' selected='selected'>Composite tax rates (from 1 April 2024 to 31 March 2025)<\/option><option value='Current' >New tax rates (from 1 April 2025)<\/option><option value='Old' >Previous tax rates (before 1 April 2024)<\/option><\/select><\/div><\/div><div id=\"field_3_10\" class=\"gfield gfield--type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Calculations<\/h3><\/div><div id=\"field_3_11\" class=\"gfield gfield--type-number calc-output acc-levies field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_11'>Estimated ACC Levies:<\/label><div class='ginput_container ginput_container_number'><input name='input_11' id='input_3_11' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_12\" class=\"gfield gfield--type-number gfield--width-full calc-output student-loan-repayments field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_12'>Student Loan Repayments:<\/label><div class='ginput_container ginput_container_number'><input name='input_12' id='input_3_12' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_13\" class=\"gfield gfield--type-number gfield--width-full calc-output kiwisaver-contributions field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_13'>KiwiSaver Contributions:<\/label><div class='ginput_container ginput_container_number'><input name='input_13' id='input_3_13' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_14\" class=\"gfield gfield--type-number gfield--width-full calc-output income-tax-retain field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_14'>Income Tax you will need to retain:<\/label><div class='ginput_container ginput_container_number'><input name='input_14' id='input_3_14' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_18\" class=\"gfield gfield--type-text gfield--width-full calc-output effective-income-tax-rate field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_18'>Effective Income Tax Rate on Self Employed Income:<\/label><div class='ginput_container ginput_container_text'><input name='input_18' id='input_3_18' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_3_16\" class=\"gfield gfield--type-number gfield--width-full calc-output total-payable field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_16'>Total Tax, Levies, Student Loan Repayments and KiwiSaver Payable on Self Employed Income:<\/label><div class='ginput_container ginput_container_number'><input name='input_16' id='input_3_16' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_17\" class=\"gfield gfield--type-number gfield--width-full calc-output afirmo-cost field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_17'>If you used Afirmo all year to calculate, pay and file the exact right amount of all your taxes for you, it would cost just \u2026<\/label><div class='ginput_container ginput_container_number'><input name='input_17' id='input_3_17' type='text' step='any'   value='' class='large'      aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_3_20\" class=\"gfield gfield--type-section gsection send-result-section field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Send me this result<\/h3><div class='gsection_description' id='gfield_description_3_20'>Please enter your details below and submit the form to have this calculator result emailed to you.<\/div><\/div><div id=\"field_3_21\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_21'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_21' id='input_3_21' type='text' value='' class='large'    placeholder='Enter your first name' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_3_22\" class=\"gfield gfield--type-text gfield--width-half field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_22'>Last Name<\/label><div class='ginput_container ginput_container_text'><input name='input_22' id='input_3_22' type='text' value='' class='large'    placeholder='Enter your last name'  aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_3_23\" class=\"gfield gfield--type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_23'>Email Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_23' id='input_3_23' type='email' value='' class='large'   placeholder='Enter your email address' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_3_25\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--width-full calculator-submit-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Privacy Policy<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_3_25'><div class='gchoice gchoice_3_25_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.1' type='checkbox'  value='I have read and agree to the Afirmo Privacy Policy'  id='choice_3_25_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_1' id='label_3_25_1' class='gform-field-label gform-field-label--type-inline'>I have read and agree to the Afirmo <a href=\"https:\/\/www.afirmo.com\/nz\/privacy-policy\/\" target=\"_blank\">Privacy Policy<\/a><\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_3_24\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--width-full calculator-submit-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><legend class='gfield_label gform-field-label gfield_label_before_complex' >Email Communication Opt-In<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_3_24'><div class='gchoice gchoice_3_24_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_24.1' type='checkbox'  value='Yes I give permission' checked='checked' id='choice_3_24_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_24_1' id='label_3_24_1' class='gform-field-label gform-field-label--type-inline'>Please send me your newsletter and other relevant small business updates<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_3' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Submit'  \/> <input type='hidden' name='gform_ajax' value='form_id=3&amp;title=&amp;description=1&amp;tabindex=0&amp;theme=gravity-theme&amp;styles=[]&amp;hash=f61cd23a0c817281c148d1e5c0c9c81e' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_3' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_3' id='gform_theme_3' value='gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_3' id='gform_style_settings_3' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_3' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='3' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_3' value='WyJbXSIsImIyODllNTA5ZTc1NjZiMDczZTNhODMwMzA3NzEyYTA1Il0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_3' id='gform_target_page_number_3' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_3' id='gform_source_page_number_3' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_3' id='gform_ajax_frame_3' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 3, 'https:\/\/www.afirmo.com\/nz\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_3').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_3');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_3').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_3').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_3').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_3').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_3').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_3').val();gformInitSpinner( 3, 'https:\/\/www.afirmo.com\/nz\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [3, current_page]);window['gf_submitting_3'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_3').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_3').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [3]);window['gf_submitting_3'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_3').text());}else{jQuery('#gform_3').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"3\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_3\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_3\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_3\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 3, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n\n\t\t<div class=\"disclaimer\">\n\t\t\tDisclaimer: the figures provided are indicative, and are solely based on the information provided and the assumptions provided\n\t\t<\/div>\n\n\t\t<div class=\"form-instructions\">\n\t\t\t<h3>Instructions for using the Self Employed Income Tax calculator:<\/h3>\n\t\t\t<ol>\n\t\t\t\t<li>Select what your business type is in Box 1. This is for our information purposes only and does not affect the calculation<\/li>\n\t\t\t\t<li>Record all your self-employed, freelance and contractor income (excl GST) in Box 2 ($). Do not add deductions\/expenses in this box<\/li>\n\t\t\t\t<li>Record any income you receive from employment income where you pay PAYE in Box 3. If you do not pay PAYE then record this income in Box 2<\/li>\n\t\t\t\t<li>Record any other income in Box 4. This includes interest income, rental income, overseas income, dividends received etc<\/li>\n\t\t\t\t<li>Record your businesses expenses in Box 5. This includes any working from home costs. We will verify these deductions if we act as your tax agents<\/li>\n\t\t\t\t<li>If you have an outstanding student loan balance then please select Yes in this box. Otherwise select No<\/li>\n\t\t\t\t<li>If you are wanting to pay KiwiSaver contributions then add the % rate that you intend to make deductions in Box 7. This can be 3%, 4%, 6%, 8% or 10%<\/li>\n\t\t\t<\/ol>\n\t\t<\/div>\n\n\t\t<!--\n\n\t\t<table class=\"dev-calculations\">\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Afirmo Calcs<\/td>\n\t\t\t\t<td class=\"bold\">&nbsp;<\/td>\n\t\t\t\t<td class=\"bold\">Total Income<\/td>\n\t\t\t\t<td class=\"bold\">PAYE Income<\/td>\n\t\t\t\t<td class=\"bold red\">Non PAYE Income<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Self Employed Income<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-self-employed-income\"><\/td>\n\t\t\t\t<td><\/td>\n\t\t\t\t<td class=\"dev-self-employed-income red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Annual PAYE salary<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-annual-paye-salary\"><\/td>\n\t\t\t\t<td class=\"dev-annual-paye-salary\"><\/td>\n\t\t\t\t<td class=\"red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Other income<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-other-income\"><\/td>\n\t\t\t\t<td><\/td>\n\t\t\t\t<td class=\"dev-other-income red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>Business deductions<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-business-deductions total-border\"><\/td>\n\t\t\t\t<td class=\"total-border\"><\/td>\n\t\t\t\t<td class=\"dev-business-deductions total-border red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Total Net Income<\/td>\n\t\t\t\t<td class=\"bold\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-total-net-income bold total-border\"><\/td>\n\t\t\t\t<td class=\"dev-annual-paye-salary bold total-border\"><\/td>\n\t\t\t\t<td class=\"dev-total-non-paye-income bold total-border red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"red\">&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Income Tax Bands<\/td>\n\t\t\t\t<td class=\"bold\">&nbsp;<\/td>\n\t\t\t\t<td class=\"bold\">Total Income<\/td>\n\t\t\t\t<td class=\"bold\">Salary<\/td>\n\t\t\t\t<td class=\"bold red\">Salary<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>$0-$14,000<\/td>\n\t\t\t\t<td>10.5%<\/td>\n\t\t\t\t<td class=\"dev-taxband-1-1\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-1-2\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-1-3 red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>$14,001-$48,000<\/td>\n\t\t\t\t<td>17.5%<\/td>\n\t\t\t\t<td class=\"dev-taxband-2-1\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-2-2\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-2-3 red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>$48,001-$70,000<\/td>\n\t\t\t\t<td>30.0%<\/td>\n\t\t\t\t<td class=\"dev-taxband-3-1\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-3-2\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-3-3 red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>$70,001-$180,000<\/td>\n\t\t\t\t<td>33.0%<\/td>\n\t\t\t\t<td class=\"dev-taxband-4-1\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-4-2\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-4-3 red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>$180,000+<\/td>\n\t\t\t\t<td>39.0%<\/td>\n\t\t\t\t<td class=\"dev-taxband-5-1 total-border\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-5-2 total-border\"><\/td>\n\t\t\t\t<td class=\"dev-taxband-5-3 red total-border\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Total Income Tax<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-total-income-tax bold total-border\"><\/td>\n\t\t\t\t<td class=\"dev-total-income-tax-salary bold total-border\"><\/td>\n\t\t\t\t<td class=\"dev-total-income-tax-2 bold total-border red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Effective Tax Rate<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-effective-tax-rate-income bold\"><\/td>\n\t\t\t\t<td class=\"dev-effective-tax-rate-salary bold\"><\/td>\n\t\t\t\t<td class=\"dev-effective-tax-rate-2 bold red\"><\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold blue\">Net Business Income Tax<\/td>\n\t\t\t\t<td class=\"blue\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-net-business-income-tax bold blue\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold blue\">ACC Levies<\/td>\n\t\t\t\t<td class=\"blue\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-acc-levies bold blue\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold blue\">Student Loan Repayments<\/td>\n\t\t\t\t<td class=\"blue\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-student-loan-repayments bold blue\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold blue total-border\">KiwiSaver Contributions<\/td>\n\t\t\t\t<td class=\"blue total-border\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-KiwiSaver-contributions bold blue total-border\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold blue total-border\">Total Deductions<\/td>\n\t\t\t\t<td class=\"blue total-border\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-total-deductions bold blue total-border\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"black bold\">HNRY Income Tax Calc<\/td>\n\t\t\t\t<td class=\"black bold\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-hnry-income-tax-calc black bold\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t\t<tr>\n\t\t\t\t<td class=\"bold\">Tax diff (HNRY vs Afirmo)<\/td>\n\t\t\t\t<td class=\"bold\">&nbsp;<\/td>\n\t\t\t\t<td class=\"dev-diff-hnry-afirmo bold\"><\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t\t<td>&nbsp;<\/td>\n\t\t\t<\/tr>\n\t\t<\/table>\n\t\t-->\n\n\t<\/div>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-left:48px;--awb-padding-left-medium:0px;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:75%;--awb-order-medium:9;--awb-margin-top-medium:64px;--awb-spacing-right-medium:2.56%;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-order-small:9;--awb-margin-top-small:48px;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><aside class=\"afirmo-sidebar-wrap\">\n\t\n\t<div class=\"sidebar-cta-wrap\">\n\t\t<div id=\"custom_html-6\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><h2>Get started with Afirmo<\/h2>\r\n<h3>Create a FREE account<\/h3>\r\n\r\n<p>Afirmo makes it easier for you to balance the time you spend managing your business admin versus working in your business. Set Up for business success.<\/p>\r\n\r\n<a href=\"https:\/\/app.afirmo.com\/register\" target=\"_blank\" class=\"fusion-button button-default button-medium\">Start Free Trial<\/a><\/div><\/div>\t<\/div>\n\n\t\t\t<div class=\"ebook-cta-wrap\">\n\t\t\t<div id=\"custom_html-7\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><h2>Get your FREE eBook<\/h2><\/div><\/div><div id=\"media_image-4\" class=\"widget widget_media_image\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><a href=\"https:\/\/www.afirmo.com\/nz\/small-business-guide-to-tax-ebook\/\" target=\"_blank\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"1274\" src=\"https:\/\/www.afirmo.com\/nz\/wp-content\/uploads\/2022\/12\/tax-cover.jpg\" class=\"image wp-image-1329  attachment-full size-full\" alt=\"\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-200x283.jpg.webp 200w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-212x300.jpg.webp 212w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-400x566.jpg.webp 400w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-600x849.jpg.webp 600w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-723x1024.jpg.webp 723w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-768x1087.jpg.webp 768w, https:\/\/www.afirmo.com\/nz\/wp-content\/smush-webp\/2022\/12\/tax-cover-800x1132.jpg.webp 800w, https:\/\/www.afirmo.com\/nz\/wp-content\/uploads\/2022\/12\/tax-cover.jpg 900w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><\/div><div id=\"custom_html-8\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><p>When you run a business, even if it\u2019s just a side gig, it\u2019s your responsibility to manage your tax. This FREE guide is designed to get you started on identifying the tax obligations that are most relevant to your business and learning more about them.<\/p>\r\n\r\n<a href=\"https:\/\/www.afirmo.com\/nz\/small-business-guide-to-tax-ebook\/\" target=\"_blank\" class=\"fusion-button button-default button-medium\">Get your FREE eBook<\/a><\/div><\/div>\t\t<\/div>\n\t\n\t\t\t<div class=\"related-resources-wrap\">\n\n\t\t\t<h2 class=\"related-resources-title\">Related resources<\/h2>\n\n\t\t\t\t\t\t\t<article class=\"related-resource\">\n\t\t\t\t\t<h3 class=\"related-resource-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.afirmo.com\/nz\/resources\/5-key-things-to-remember-when-applying-for-a-business-loan\/\">5 Key Things to Remember When Applying for a Business Loan\u00a0<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"related-resource-excerpt\"><p><i><span style=\"font-weight: 400;\">Understanding what it takes to successfully apply for a bank loan is important for a small business owner. If you are successful, you could get the capital you need to grow your business.\u00a0<\/span><\/i><\/p>\n<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t\t\t<article class=\"related-resource\">\n\t\t\t\t\t<h3 class=\"related-resource-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.afirmo.com\/nz\/resources\/how-to-create-a-successful-blog-for-your-business\/\">How to create a successful blog for your business<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"related-resource-excerpt\"><p>One of the keys to being recognised as an authority in your industry and becoming a \u201cgo-to\u201d resource, is to create a successful blog for your business. Valuable blog content helps gain trust and loyalty for your brand.<\/p>\n<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t\t\t<article class=\"related-resource\">\n\t\t\t\t\t<h3 class=\"related-resource-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.afirmo.com\/nz\/resources\/building-your-business-portfolio-as-a-freelancer\/\">Building your business portfolio as a freelancer<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div class=\"related-resource-excerpt\"><p><span style=\"font-weight: 400;\">When you\u2019re launching yourself as a freelancer, having proof that you\u2019re good at what you do is essential. While you can offer references from people who\u2019ve worked with you, being able to show examples of your work will always be the most convincing proof point.\u00a0<\/span><\/p>\n<\/div>\n\t\t\t\t<\/article>\n\t\t\t\n\t\t<\/div>\n\t\n<\/aside>\n\n<\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container afirmo-calculator-content-after nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><p class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2; font-size: 32px;\" data-fontsize=\"26\" data-fusion-font=\"true\" data-lineheight=\"31.2px\"><b>Income tax for the self-employed<\/b><\/p>\n<p>In New Zealand you pay tax on pretty much any money you earn. This includes income from self-employment, PAYE\/waged jobs, savings and investment interest, power company dividends, rental income, benefits, superannuation and so on.<\/p>\n<p>Your tax rate, and therefore the tax you have to pay, is based on your total income from all sources. As an individual tax payer, rather than a company or other organisation, it makes no difference whether you\u2019re self-employed, working for an employer or a mixture of both.<\/p>\n<p>New Zealand has different tax rates for particular taxable income brackets, with the rates increasing as the income in each bracket increases.<\/p>\n<p><b><i>New tax rates (From 1 April 2025):<\/i><\/b><\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td width=\"50%\"><strong>For each dollar of income<\/strong><\/td>\n<td width=\"50%\"><strong>Tax rate<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">Up to $15,600<\/td>\n<td width=\"50%\">10.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">Over $15,600 and up to $53,500<\/td>\n<td width=\"50%\">17.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">Over $53,500 and up to $78,100<\/td>\n<td width=\"50%\">30%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">Over $78,100 and up to $180,000<\/td>\n<td width=\"50%\">33%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">Remaining income over $180,000<\/td>\n<td width=\"50%\">39%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><b>\u00a0<\/b><\/i><\/p>\n<p><i><b>Composite tax rates (<\/b><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); letter-spacing: var(--body_typography-letter-spacing);\"><b>1 April 2024 to 31 March 2025):<\/b><\/span><\/i><\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td width=\"50%\"><strong>For each dollar of income<\/strong><\/td>\n<td width=\"50%\"><strong>Tax rate<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">0 &#8211; $14,000<\/td>\n<td width=\"50%\">10.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$14,001 &#8211; $15,600<\/td>\n<td width=\"50%\">12.82%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$15,601 &#8211; $48,000<\/td>\n<td width=\"50%\">17.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$48,001 &#8211; $53,500<\/td>\n<td width=\"50%\">21.64%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$53,501 &#8211; $70,000<\/td>\n<td width=\"50%\">30%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$70,001 &#8211; $78,100<\/td>\n<td width=\"50%\">30.99%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$78,101 &#8211; $180,000<\/td>\n<td width=\"50%\">33%<\/td>\n<\/tr>\n<tr>\n<td width=\"50%\">$180,001 and over<\/td>\n<td width=\"50%\">39%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>Fortunately, our online calculator takes all this into account.<\/b><\/p>\n<p>The cost of business related expenses can be deducted from your actual income to calculate your taxable income and therefore the tax you pay. To allow for this, step 5 in our calculator is to enter your business-related expenses, including any working from home costs.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3 fusion-animated\" style=\"--awb-text-transform:none;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 32; line-height: 1.2;\" data-fontsize=\"32\" data-lineheight=\"38.4px\">ACC when you\u2019re self-employed<\/h2>\n<p>In addition to income tax, individuals also pay ACC levies on income earned from all sources. Inland Revenue supplies your income data to ACC. There are two types of cover for self-employed people &#8211; the default is called CoverPlus, the other type is WorkPlace Cover. Whatever type you have, an annual invoice from ACC will include three levies:<\/p>\n<ul>\n<li>Work levy \u2013 covers workplace accidents; it varies depending on the type of work you do and its accident risk level<\/li>\n<li>Earner\u2019s levy &#8211; for accidents outside the workplace and has a standard rate for all payers<\/li>\n<li>Working safer levy \u2013 goes to WorkSafe NZ for injury prevention and is the same for all payers<\/li>\n<\/ul>\n<p>Alternatively, self-employed people can choose CoverPlus Extra. This lets you select a level of income cover, which decides the maximum levy you\u2019ll be charged. If you choose this option, you get a separate invoice from ACC for the working safer levy based on your income.<\/p>\n<p>In the calculator below we\u2019ve used an average work levy rate for a medium-risk industry\/type of work, to give you an approximate idea of what your CoverPlus invoice might be, based on your income.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 32; line-height: 1.2;\" data-fontsize=\"32\" data-lineheight=\"38.4px\">GST for self-employed people<\/h2>\n<p>GST stands for goods and services tax. If you expect to earn more than $60,000 from self-employed work, not PAYE work, you\u2019ll need to register for GST. Otherwise it\u2019s optional.<\/p>\n<p>When you register for GST you have to add GST (15%) to what you charge customers and pay it to Inland Revenue at regular intervals. Basically you collect tax on their behalf, so it\u2019s never your money. However, you can claim back the GST you pay on business-related expenses &#8211; but only if you\u2019re registered for GST.<\/p>\n<p>Since you\u2019re simply collecting GST for the government, we\u2019ve isolated it from our tax calculator below by asking you to enter your income excluding GST. To quickly add or remove GST from a value, see our <a href=\"https:\/\/www.afirmo.com\/nz\/calculators\/gst-calculator\/\">handy GST calculator<\/a>.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 32; line-height: 1.2;\" data-fontsize=\"32\" data-lineheight=\"38.4px\">Student loan repayments when you\u2019re self-employed<\/h2>\n<p>If you have an outstanding student loan balance and earn more than the annual threshold a year, you have to make repayments to Inland Revenue. These are calculated at 12% of every dollar you earn over the threshold, which is $20,020 for the year ending 31 March 2022 and $21,268 for the 2023 tax year.<\/p>\n<p>For this calculation your income includes any PAYE salary or wages plus your \u2018adjusted net income\u2019, which is all other taxable income minus your work-related expenses. An employer will take care of the repayments based on your salary or wages. You just have to make an end-of-year repayment based on your adjusted net income. In our calculator below, you simply have to choose whether you have a student loan or not and the calculator does it all for you.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 32; line-height: 1.2;\" data-fontsize=\"32\" data-lineheight=\"38.4px\">KiwiSaver contributions when you\u2019re self-employed<\/h2>\n<p>While KiwiSaver contributions aren\u2019t really a tax, if you choose to join a KiwiSaver scheme you\u2019ll have another big payment to allow for. That\u2019s why we\u2019ve given you the option to include them in our self-employment tax calculator.<\/p>\n<p>Obviously, self-employed work doesn\u2019t come with employer KiwiSaver contributions. However, for every dollar you put in the government will add 50c to your chosen KiwiSaver fund, up to a maximum of $521.43 a year. You and your scheme provider agree on how much and how often you\u2019ll contribute each year. In our calculator below you simply select a percentage of your annual income to contribute. The options we\u2019ve provided are the same as you have when you\u2019re earning wages or a salary from an employer.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 32; line-height: 1.2;\" data-fontsize=\"32\" data-lineheight=\"38.4px\">Self-employment tax calculator<\/h2>\n<p>With the basic taxes understood, it\u2019s time to crunch some numbers. Our self-employment tax calculator makes it quick and easy to get some idea of how much to set aside for your ACC levies, student loan repayments, KiwiSaver contributions and income tax. We\u2019ve included some instructions below the calculator if you need help.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container afirmo-calculator-content-after nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4 fusion-animated\" style=\"--awb-text-transform:none;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><h3>Other Helpful Calculators<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.afirmo.com\/nz\/calculators\/paye-calculator\/\">PAYE Calculator\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/mark-up-and-margin-calculator\/\">Mark Up and Margin Calculator<\/a><\/li>\n<li class=\"blog-shortcode-post-title entry-title fusion-responsive-typography-calculated\" data-fontsize=\"30\" data-lineheight=\"36px\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/mark-down-calculator\/\">Mark Down Calculator<\/a><\/li>\n<li class=\"blog-shortcode-post-title entry-title fusion-responsive-typography-calculated\" data-fontsize=\"30\" data-lineheight=\"36px\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/mark-up-calculator\/\">Mark Up Calculator<\/a><\/li>\n<li class=\"blog-shortcode-post-title entry-title fusion-responsive-typography-calculated\" data-fontsize=\"30\" data-lineheight=\"36px\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/margin-calculator\/\">Margin Calculator<\/a><\/li>\n<li class=\"blog-shortcode-post-title entry-title fusion-responsive-typography-calculated\" data-fontsize=\"30\" data-lineheight=\"36px\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/gst-calculator\/\">GST Calculator<\/a><\/li>\n<li class=\"blog-shortcode-post-title entry-title fusion-responsive-typography-calculated\" data-fontsize=\"60\" data-lineheight=\"72px\"><a href=\"https:\/\/www.afirmo.com\/nz\/resources\/self-employment-tax-calculator\/\">Self Employment Tax Calculator<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:31px;--awb-padding-right:7%;--awb-padding-bottom:31px;--awb-padding-left:7%;--awb-padding-top-medium:100px;--awb-padding-right-medium:10%;--awb-padding-bottom-medium:120px;--awb-padding-left-medium:10%;--awb-padding-top-small:64px;--awb-padding-right-small:14%;--awb-padding-bottom-small:64px;--awb-padding-left-small:14%;--awb-margin-top:38px;--awb-background-color:#1d7ae7;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1300px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:20px;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-margin-top-small:0px;--awb-margin-bottom-medium:24px;--awb-font-size:36px;\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" 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