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Calculations treat income as ex-GST. GST passes through to IRD.
/ CALCULATOR · 01
GST · 15%
Add GST to an exclusive amount, or pull it out of an inclusive one.
Your money
GST exclusive
This is yours to keep. It pays you, your wages, your tools, and your profit.
IRD's money
GST · 15%
You're just collecting it for the government. Don't spend it — IRD wants it back.
Customer pays
GST inclusive
The full amount that leaves their wallet. Your money + IRD's money, together.
Mode
Amount (excl. GST)
NZD
ADD MODE: Punch in your sticker price (your money). We'll add 15% GST on top — that's what you charge the customer.
Receipt
Excl. GST$1,000.00
This is your money — what you actually earn.
GST 15%$150.00
This belongs to IRD. You're just holding it for them.
Incl. GST$1,150.00
This is what the customer pays in total.
Cashflow rule of thumb: when a customer pays an invoice, only 86.96% of that money is actually yours — the other 13.04% is GST you have to pay IRD next return. Treat your business account like two piggy banks: yours, and IRD's. Don't dip into IRD's.
01
You charge
You quote a job for $1,000. You add 15% GST — so the customer's invoice says $1,150.
02
You collect
Customer pays you $1,150. Of that, $1,000 is yours and $150 is IRD's.
03
You pay IRD
At GST time you send the $150 to IRD (less any GST you paid on tools/materials). The $1,000 stays with you.
You only have to register for GST once your turnover is over $60,000 per year. Below that, no GST on your invoices — and nothing to send IRD.
By NZ Taxation Ltd
Want this done properly?
We're NZ Taxation Ltd — IRD-registered tax agents in Auckland.