NZ Investment Yield & Risk Estimator
Enter your investment details to see how different asset classes perform against the 10% target, accounting for New Zealand tax rates.
Used to determine marginal tax rate (10.5%, 17.5%, 28%, 30%, 33%, 39%).
Your Estimated Net Return
$0.00
Select an option below to see detailed breakdowns.
Context: In late 2026, with OCR ~5.5%, major banks pay ~4.5%. To hit 10%, you must accept higher risk or lock-in periods. This tool helps visualize the gap between advertised yields and actual take-home pay.
| Investment Type | Advertised Yield | Risk Level | Liquidity | Action |
|---|
Details
Gross Annual Return:
$0Tax Paid:
$0Net Annual Take-Home:
$0Effective Net Yield: 0%