Paycheck Splitter Calculator
Enter your take-home pay and splits. See exactly where every dollar lands, every payday.
Your split breakdown
Now automate it
You've got your split. PayDay can move the money to the right accounts automatically the moment your pay lands, no manual transfers, no missed bills.
Join the PayDay waitlistHow to use this calculator
The paycheck splitter calculator helps New Zealanders figure out exactly how much of each paycheck should go to different buckets, bills, savings, spending, or any custom categories you create. Instead of guessing, you can see the exact dollar amounts.
1. Enter your take-home pay
Use the amount that actually lands in your bank account after PAYE, ACC, KiwiSaver, and any student loan deductions. Your pay slip will show this as "Net Pay", that's the number we want.
2. Set your pay frequency
Most New Zealanders are paid weekly or fortnightly. The calculator uses your frequency to work out the yearly totals so you can see the long-term impact of your split.
3. Choose your splits
Start with one of the presets (50/30/20 is the classic) or create your own. You can add as many categories as you need. The total across all splits must equal 100%, the calculator will flag if it doesn't.
4. Automate the split
Knowing your split is half the battle. The other half is actually moving the money every payday without forgetting. That's where PayDay comes in, it detects your pay landing and moves the money automatically.
Frequently asked questions
How does the paycheck splitter calculator work?
Enter your take-home pay and how often you get paid, then set percentages for each category (Bills, Savings, Spending, or your own custom categories). The calculator shows exactly how much gets allocated to each bucket every payday, plus the yearly total.
What's a good split to start with in New Zealand?
A common starting point for Kiwis is 50% to bills and essentials (rent, power, groceries), 20% to savings and debt, and 30% to flexible spending. This is the 50/30/20 rule. Adjust based on your situation, renters often need more than 50% for bills.
Is this based on take-home pay or gross pay?
Use your take-home pay (net, after tax, ACC, KiwiSaver, and any student loan deductions). That's the amount actually landing in your bank account on payday.
Can I automate these splits with PayDay?
Yes, that's what PayDay does. Once you know your ideal split, PayDay automatically moves money to the right accounts the moment your pay lands, so you don't have to transfer anything manually.
Do the percentages need to add to 100%?
Yes, the calculator will flag it if your splits don't total 100%. You can have as few or as many buckets as you like, but every dollar needs a home.