Sole Trader Tax Estimate Calculator

1. INPUTS

Input

Your Value

Source / Notes

INCOME & TAX

FY26 taxable profit (after expenses & deductions)

From your accounting records

Tax already paid / RWT / tax credits

e.g. RWT on interest, PIE credits

Include KiwiSaver estimate?

Voluntary (optional)

KiwiSaver voluntary rate (% of profit)

From your chosen rate

ACC (FROM ACC RATES – SOURCE)

Industry (ACC work levy classification)

ACC 2025/26 Levy Guidebook

ACC earners levy rate (FY26)

ACC earners levy table

ACC FY26 maximum liable earnings

ACC maximum liable earnings

Estimated ACC work levy rate (auto)

Based on industry selection

Or enter custom work levy rate

Override if required

PROVISIONAL TAX (FROM IRD – SOURCE)

Provisional tax uplift rate

IRD standard uplift method

Additional cashflow buffer (Oliver Advisory)

Extra % to save for safety

ACC work levy rates vary by industry (BIC/CU classification).
The rates above are from the ACC 2025/26 Levy Guidebook.
Confirm the correct classification if you are unsure.

2. FY26 SUMMARY (Terminal Year)

DescriptionAmount (NZD)

Income tax before credits

Less tax credits entered

Estimated terminal tax payable (FY26)

ACC earners levy estimate

ACC work levy estimate

Optional KiwiSaver estimate

TOTAL FY26 ESTIMATED CASH REQUIREMENT

Effective rate on taxable profit

Monthly set-aside target (FY26)

Weekly set-aside target (FY26)

3. FY27 PROVISIONAL TAX ESTIMATE (Planning Year)

FY27 provisional tax estimate (income tax only)

Additional cashflow buffer (5%)

TOTAL FY27 TAX RESERVE TARGET

Monthly set-aside target (FY27)

Weekly set-aside target (FY27)

Sole Trader Tax Estimate Calculator

PROVISIONAL TAX INSTALMENT DATES (31 MARCH BALANCE DATE)

IMPORTANT NOTES

SOURCES