Practical Tools Built for New Zealand Professionals
Downloadable templates designed specifically around New Zealand salaries, KiwiSaver, and IRD rules.
The CLIFF Budget Tracker is a simple, honest budgeting template built for real New Zealand salaries — KiwiSaver, fortnightly pay, and the goals that actually matter. Set it up in minutes and finally see where your money goes.
What’s inside
Pay Calculator tab — Gross salary → PAYE → ACC → KiwiSaver → Student loan → Fortnightly or monthly take-home. Uses 2026/27 IRD rates.
12 monthly tabs — Income, Needs, Wants, and Savings breakdown with 50/30/20 framework panel side by side
Annual Dashboard — Total income, Expenses, Savings, and Savings rate across all 12 months at a glance
Three-goal tracker — Short-term, Medium-term, and Long-term financial goals with target amounts and progress bars
Instructions tab — Step-by-step setup guide written in New Zealand English