How would this affect me?
Enter as much or as little as you like. Each party's plan is worked out against today's law, using the same method for every party. Everything happens in your browser: nothing you enter is sent anywhere or stored, unless you ask this device to remember it.
So far it covers 3 of the 12 issues. More are being added; the ones not in it yet are listed at the bottom.
About you
Every field is optional. Results update as you type.
How to read the results. + means more money for you a year, − means less. Each result changes one party's plan on one question and keeps everything else as it is today. There is no total for each party across questions: platforms are incomplete, coalitions mix policies, and a cash total leaves out services. Where a party hasn't published enough detail, the result says so rather than guessing.
Should GP visits or prescriptions be free?
ACT
No change from todayACT's plan adds funding for GP practices but does not say whether GP fees or the $5 prescription charge would change, so the calculator uses current settings.
How this is worked out
In the plan but not counted
- ACT would put an extra $400 million over four years into general practice for pay, extra hours and overseas doctors; it has not said whether this would change what patients pay.
Sources
- ACT will invest $400 million to get Kiwis more GP appointments · ACT New Zealand · accessed 19 Oct 2026
- Shorter Waits for your GP · ACT New Zealand · accessed 19 Oct 2026
Green
Can't calculate: details not publishedThe Greens' 2026 commitment to work towards fully free primary and dental care.
The Greens' 2026 manifesto commits to work towards fully free primary and dental care, but gives no timeline or steps, so the saving can't be worked out.
How this is worked out
In the plan but not counted
- The party's 2025 alternative budget proposed free GP visits and free prescriptions; it has not said whether that still applies in 2026.
Sources
- Manifesto 2026: Health · Green Party of Aotearoa New Zealand · accessed 15 Oct 2026
- Green Budget 2025 · Green Party of Aotearoa New Zealand · accessed 15 Oct 2026
Labour
Enter your details aboveLabour's Medicard, with three free visits a year to your own practice, and removing the $5 prescription charge from 1 July 2027.
How this is worked out
Assumptions
- The three free visits are to a doctor or nurse at your own practice; services that are already free (such as immunisations), after-hours and ACC visits don't count. Assumes they replace three visits you now pay for at your usual fee.
- Labour has not published a start date for the free visits; it says that from July 2028 an estimated 4 in 5 people would not pay for a routine visit.
- The 20-item limit on prescription charges is per family; this counts your own items only.
In the plan but not counted
- Paid for by a 28% tax on gains from selling investment and commercial property, on profit made after 1 July 2027. It depends on a future sale, so it isn't calculated.
Sources
- Free doctor's visits with the Medicard · New Zealand Labour Party · accessed 15 Oct 2026
- Free Prescriptions Under Labour · New Zealand Labour Party · accessed 15 Oct 2026
- Prescription co-payments · Health New Zealand Te Whatu Ora · accessed 15 Oct 2026
National
No change from todayNational has no new policy on GP fees or the $5 prescription charge, so current settings stay.
How this is worked out
In the plan but not counted
- Under a Health NZ funding deal, most practices can't raise fees until 1 July 2027; National has not said what happens after that.
Sources
- Policies · New Zealand National Party · accessed 15 Oct 2026 · archived copy (15 Oct 2026)
- More medicines and earlier care · New Zealand National Party · accessed 15 Oct 2026
- GP fees won't increase for 12 months under new proposal (RNZ, June 2026) · Otago Daily Times · accessed 15 Oct 2026
- GPs overwhelmingly back funding deal (19 June 2026) · New Zealand National Party · accessed 15 Oct 2026
NZ First
No stated policy foundNo NZ First policy on what patients pay for GP visits or prescriptions was found.
How this is worked out
Sources
- The Plan to Make NZ Healthy · New Zealand First · accessed 15 Oct 2026
Opportunity
No stated policy foundNo Opportunity policy on what patients pay for GP visits or prescriptions was found.
How this is worked out
Sources
- Bottom lines · The Opportunity Party · accessed 14 Oct 2026
Te Pāti Māori
Can't calculate: details not publishedTe Pāti Māori's 2026 commitment to invest in free primary healthcare for all whānau.
Te Pāti Māori's 2026 policy manifesto commits to invest in free primary healthcare, free dental care and free medication delivery for all whānau, but gives no timeline or steps, so the saving can't be worked out.
How this is worked out
In the plan but not counted
- In 2023 the party proposed free GP and dental care for whānau earning under $60,000; that policy was not found in its 2026 material.
Sources
- Te Pāti Māori Policy Manifesto 2026: Health (pages 54 to 56) · Te Pāti Māori · accessed 17 Oct 2026
- Te Pāti Māori wants free health and dental for families on $60k or less (31 August 2023) · Te Ao Māori News · accessed 15 Oct 2026
How should income tax change?
ACT
No change from todayACT's fiscal plan makes no change to income tax rates or thresholds.
How this is worked out
In the plan but not counted
- The plan sets aside $264 million in 2027/28 for targeted tax relief that has not been announced, so it can't be included.
- Removing tax on KiwiSaver fund earnings is shown under KiwiSaver.
Sources
- ACT Fiscal Plan 2026 · ACT New Zealand (hosted by interest.co.nz) · accessed 15 Oct 2026 · archived copy (17 Oct 2026)
- No tax on KiwiSaver earnings (policy document, 4 October 2026) · ACT New Zealand · accessed 15 Oct 2026
Green
Enter your details aboveThe Greens' income tax rates, with the first $10,000 tax-free and 45% over $160,000, and their tax on net wealth over $10 million.
How this is worked out
Assumptions
- Tax credits, such as the independent earner tax credit, and the ACC earners' levy are left out for every party, because no plan says how it would change them.
- Uses your income today, with no allowance for pay rises or inflation.
- No start date has been published.
- The wealth tax threshold is $10 million a person ($20 million for a couple); Māori land under Te Ture Whenua Māori Act is also exempt.
In the plan but not counted
- A 33% tax on inheritances and gifts over $1 million: paid when wealth is passed on, not each year.
- A 33% company rate for firms with turnover over $30 million, a bank levy, a tax on large technology companies and changes for landlords: paid by businesses and landlords, so the effect on you isn't calculated.
Sources
- A tax system for all: Green Party tax policy 2026 (full policy document) · Green Party of Aotearoa New Zealand · accessed 15 Oct 2026
Labour
No change from todayLabour's published policies make no change to income tax rates or thresholds.
How this is worked out
In the plan but not counted
- Labour says it would consider tax relief once the fiscal environment allows; no size or date is set.
Sources
- Our Policies · New Zealand Labour Party · accessed 15 Oct 2026
- Election 2026: party tax policies tracker, version 4 (updated to 3 September 2026) · KPMG New Zealand · accessed 15 Oct 2026
- 'Now is not the time': Tax cuts off the table, Nicola Willis says (12 October 2026) · 1News · accessed 15 Oct 2026
- Barbara Edmonds on house prices, debt and how much Labour's fuel tax freeze proposal will cost (7 October 2026) · interest.co.nz · accessed 15 Oct 2026
National
No change from todayNational's fiscal plan makes no change to income tax rates or thresholds.
How this is worked out
In the plan but not counted
- National says it would consider tax relief once the books are back in surplus; no size or date is set.
Sources
- 'Now is not the time': Tax cuts off the table, Nicola Willis says (12 October 2026) · 1News · accessed 15 Oct 2026
- Once the books are back in the black, a National Government will be in a position to consider tax relief (12 October 2026) · interest.co.nz · accessed 15 Oct 2026 · archived copy (12 Oct 2026)
NZ First
Enter your details aboveNZ First's proposal to make the first $14,000 of income tax-free, as reported from a September panel and KPMG's tracker.
Note: NZ First has said it would make the first $14,000 tax-free, but has not published its rates above that. This range assumes the other rates stay as they are today, which is the site's assumption, not a published NZ First table. The low end makes $14,000 tax-free; the high end makes the whole current lowest band, up to $15,600, tax-free, because KPMG's tracker describes the policy as making the lowest bracket tax-free.
How this is worked out
Assumptions
- Tax credits, such as the independent earner tax credit, and the ACC earners' levy are left out for every party, because no plan says how it would change them.
- Uses your income today, with no allowance for pay rises or inflation.
- NZ First has not published a start date; KPMG's tracker reports "no later than 1 April 2027".
In the plan but not counted
- Adjusting tax brackets for inflation: NZ First has not said how often or by how much, so it isn't counted.
- NZ First has not published a cost or funding source for the change.
Sources
- Election 2026: where do the parties stand on tax? (21 September 2026) · Chartered Accountants Australia and New Zealand · accessed 15 Oct 2026
- Election 2026: party tax policies tracker, version 4 (updated to 3 September 2026) · KPMG New Zealand · accessed 15 Oct 2026
- Tax rates for individuals · Inland Revenue · accessed 15 Oct 2026
- NZ Election 2026: Every Party's Tax Policy Compared (verified 13 October 2026) · NZ Tax Tools · accessed 15 Oct 2026
Opportunity
Enter your details aboveOpportunity's Tax Reset once fully in place: rates of 28%, 34% and 39%, a tax-free Citizen's Income of $19,400 a year, and a land value tax.
How this is worked out
Assumptions
- Tax credits, such as the independent earner tax credit, and the ACC earners' levy are left out for every party, because no plan says how it would change them.
- Uses your income today, with no allowance for pay rises or inflation.
- Shown as the plan would be once fully in place. The party would bring in the Citizen's Income for successive age groups, starting with young people, and raise land value tax rates gradually, over ten years.
- Land value tax is charged on the value of the land without buildings, which council rating valuations list separately. Enter your share if you own with others.
In the plan but not counted
- The land value tax is charged on all urban and rural land, so it also applies to any investment, farm or business land you own; only your home is counted here.
- Top-ups for parents, sole parents, disabled people, superannuitants and housing costs, which reduce as household income rises.
- KiwiSaver 2.0 is shown under KiwiSaver.
Sources
- Tax Reset (policy paper) · The Opportunity Party · accessed 15 Oct 2026
- Tax Reset · The Opportunity Party · accessed 15 Oct 2026 · archived copy (16 Oct 2026)
Te Pāti Māori
Enter your details aboveTe Pāti Māori's income tax rates, with the first $30,000 tax-free and rates of 42% and 48% at the top, and its tax on net wealth over $2 million.
How this is worked out
Assumptions
- Tax credits, such as the independent earner tax credit, and the ACC earners' levy are left out for every party, because no plan says how it would change them.
- Uses your income today, with no allowance for pay rises or inflation.
- No start date has been published.
- The wealth tax threshold is $2 million a person.
In the plan but not counted
- A stamp duty on property purchases, a 33% company rate and other new taxes: paid when buying property or by businesses, so not calculated here.
Sources
- Te Pāti Māori Policy Manifesto 2026: Tax (released as A Kiwi Tax Plan, 26 August 2026) · Te Pāti Māori · accessed 15 Oct 2026
- Te Pāti Māori's tax plan: $30k tax-free, a new stamp duty and a kai credit (27 August 2026) · The Spinoff · accessed 14 Oct 2026
- NZ Election 2026: Every Party's Tax Policy Compared (verified 13 October 2026) · NZ Tax Tools · accessed 15 Oct 2026
Should KiwiSaver be compulsory, and how much should go in?
ACT
Enter your details aboveACT's plan: no tax on KiwiSaver fund earnings, and no government contribution for members who get employer contributions.
How this is worked out
Assumptions
- Compared with current law once each plan is fully in place, using your income today.
- ACT has not said what happens to the government contribution for members without employer contributions, such as the self-employed; this assumes they keep it.
- The tax kept on fund earnings depends on your balance and your fund's returns, which nobody knows in advance. ACT's policy document doesn't state the return its examples assume, so you can enter your own.
Sources
- No tax on KiwiSaver earnings (policy document, 4 October 2026) · ACT New Zealand · accessed 15 Oct 2026
- KiwiSaver changes · Inland Revenue · accessed 15 Oct 2026
Green
No stated policy foundNo 2026 Green Party KiwiSaver policy was found.
How this is worked out
Sources
- Manifesto 2026 (full document) · Green Party of Aotearoa New Zealand · accessed 15 Oct 2026
Labour
Enter your details aboveLabour's Strengthening KiwiSaver: employers pay 6% from 2032, even when the worker pauses, and for workers over 65.
How this is worked out
Assumptions
- Compared with current law once each plan is fully in place, using your income today.
- Labour would remove the minimum rate, so you could choose to put in less than 4%; this keeps you at the rate you would pay under current law.
- Assumes you are not on a total remuneration contract, which Labour would ban for new contracts.
- Labour hasn't said whether employers would pay for workers who are not KiwiSaver members; this assumes they would not, so a non-member sees no change.
In the plan but not counted
- A new KiwiSaver contribution for parents on paid parental leave; no amount has been published.
- Labour has not published the employer rate for each year from 2028 to 2032.
Sources
- Strengthening KiwiSaver · New Zealand Labour Party · accessed 15 Oct 2026
National
Enter your details aboveNational's plan: compulsory contributions rising to 6% from workers and 6% from employers by 2032, and 4% for the self-employed.
How this is worked out
Assumptions
- Compared with current law once each plan is fully in place, using your income today.
- Treats 6% as the lowest rate employees could choose, as the default rate is today; National's document does not say whether lower rates would remain.
- Workers saving through an employer-run scheme, and people on paid parental leave, would be exempt; this assumes you are not.
In the plan but not counted
- A $1,500 payment into the KiwiSaver of every child born in New Zealand from 1 July 2027.
- A government contribution at the default rate for parents on paid parental leave, from 1 July 2027.
Sources
- National KiwiSaver policy document · New Zealand National Party · accessed 15 Oct 2026
NZ First
Can't calculate: details not publishedNZ First's KiwiSaver Generation and its earlier policy of compulsory KiwiSaver for the workforce.
NZ First would raise contributions to 8% and then 10%, with tax cuts to cover the increases, but has not published a timetable, whether the rates are for employees and employers each or combined, or how the tax cuts would work.
How this is worked out
In the plan but not counted
- A $1,000 Crown contribution for every baby who is a New Zealand citizen, with enrolment at birth; no start date has been published.
Sources
- Establishing a KiwiSaver Generation · New Zealand First · accessed 15 Oct 2026
Opportunity
Enter your details aboveOpportunity's KiwiSaver 2.0 at full rates: 6% from you and 6% from your employer into a new compulsory scheme, all free of income tax.
How this is worked out
Assumptions
- Shown at full rates, which the party says are reached after eight years (elsewhere six to seven); starting rates and a start date have not been published.
- Today's KiwiSaver would stay as an optional extra. The policy does not say whether employers would keep paying into it, so the change from what you have now can't be worked out.
In the plan but not counted
- Fund earnings in the new scheme would become tax-free after 20 years.
- Money in the new scheme could not be withdrawn for hardship or a first home.
Sources
- Tax Reset (policy paper) · The Opportunity Party · accessed 15 Oct 2026
Te Pāti Māori
No stated policy foundNo 2026 Te Pāti Māori KiwiSaver policy was found.
How this is worked out
Sources
- Te Pāti Māori Policies · Te Pāti Māori · accessed 15 Oct 2026
Today's law, used as the baseline
Income tax: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above. KiwiSaver once the default reaches 4% on 1 April 2028: employers pay 4% for contributing workers aged 16 to 64, and the government adds 25 cents a dollar up to $261 a year for members aged 16 to 64 earning $180,000 or less. Employer contributions are taxed (ESCT) at one rate set by salary plus employer contributions: 10.5% up to $18,720, 17.5% to $64,200, 30% to $93,720, 33% to $216,000 and 39% above. The prescription charge is $5 an item for people aged 14 to 64 without a Community Services Card, stopping after 20 items a year for a family. KiwiSaver is compared once the default rate reaches 4% on 1 April 2028; members on a lower rate are assumed to move up with it. The prescribed investor rate (PIR) is worked out from taxable income alone, leaving out income from PIE funds.
- Tax rates for individuals · Inland Revenue · accessed 15 Oct 2026
- Get ready for new ESCT and FBT changes · Inland Revenue · accessed 16 Oct 2026
- The right tax rate · Westpac New Zealand · accessed 16 Oct 2026
- KiwiSaver changes · Inland Revenue · accessed 15 Oct 2026
- Budget 2025 factsheet: KiwiSaver changes · New Zealand Government (budget.govt.nz) · accessed 15 Oct 2026
- Getting the KiwiSaver government contribution · Inland Revenue · accessed 16 Oct 2026
- Prescription co-payments · Health New Zealand Te Whatu Ora · accessed 15 Oct 2026
Not in the calculator yet: What should New Zealand's climate commitments be?; What should change in sentencing, prisons, youth offending, gang laws and policing?; What should change in medicines funding, the health workforce and Māori health services?; How should households get solar?; How should housing policy change?; How should the electricity market change?; Should the NZ Super age rise to 67?; How should supermarket competition be fixed?; What should happen to Te Tiriti settings and Māori representation?.