State vs Calk NZ

About this app​ Your State insurance anytime, anywhere.​ With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID.​ ​ Make a claim online​ Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way.​ ​ Easily manage your payments​ Make a payment for your policy straight from the app.​ ​ All your policies in one place​ View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post.​ ​ Get a quote ​ Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.

Calk NZ is a collection of 146 calculators built for New Zealanders. Every result is based on current IRD rates and New Zealand rules for the 2026-27 financial year. No sign-up. All calculations run on your device — your financial data never leaves it. Supported by unobtrusive ads. TAX & PAY • Income tax and PAYE with all five brackets and the ACC earner's levy • Take-home pay, secondary tax, bonus tax, schedular payments (IR330C) • GST, provisional tax, trust tax (39% trustee rate), FIF and crypto tax FAMILY & BENEFITS • Working for Families, FamilyBoost (40% childcare rebate), Best Start • Child support (IRD 8-step formula), paid parental leave, NZ Super HOME & MONEY • Mortgage repayments, refix strategy, offset accounts, lump-sum savings • KiwiSaver projections with the 2026 3.5% default rate • Term deposits with RWT, net worth, budgeting, power plans …and 100+ more: car costs, WoF & rego, insurance, farming, building, immigration. EVERY CALCULATOR SHOWS ITS WORKING Step-by-step formulas, current-year rates with sources, and worked examples — verified against Inland Revenue (IRD), ACC, Employment NZ / MBIE, RBNZ, Work and Income (MSD), NZTA Waka Kotahi, Stats NZ, Kāinga Ora, NZ Customs, BRANZ and Beef + Lamb New Zealand publications. Each page carries a "last reviewed" date. IN ENGLISH AND TE REO MĀORI The only NZ calculator collection fully available in both languages. NEW IN 1.2.0 • Watch a short ad to pause all ads for 6 hours • Six in-depth farming guides and new rural calculators • Favourites and recently used calculators on the home screen Rates update automatically — no app update needed when IRD figures change. Disclaimer: Calk NZ provides general information, not financial advice. For decisions that affect your tax position, consult a qualified professional.