Calculate.co.nz

Calculate.co.nz provides New Zealand’s most comprehensive free collection of online calculators and financial literacy guides. It offers over 2,490 NZ‑specific calculators covering tax, GST, KiwiSaver, mortgages, insurance and more, plus 433 plain‑English guides and 31 learning pathways. Independent, no sign‑up required, and trusted by over two million Kiwis since 2019.

Calculate.co.nz publishes 4 API contracts indexed on the APIs.io network, including Calculators API, Discovery API, Reference data API, and 1 more. Tagged areas include Company, Finance, Calculators, New Zealand, and Free.

The Calculate.co.nz catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Calculate.co.nz’s developer surface includes pricing, API reference, authentication, documentation, getting-started guide, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.5/100 developing Agent 28/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 1 Agent Skills

Company Finance Calculators New Zealand Free Education

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 43.5/100 · developing

Contract Quality 13.9 / 21

Developer Ergonomics 5.6 / 17

Access Clarity 8.1 / 17

Operational Transparency 0.6 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 4.0 / 15

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Education & Research regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 32.7 — up to +13.5 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points
Access Clarity scores 47.4 — up to +10.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/calculate-co-nz/apis.yml: open an issue on github.com/api-evangelist/calculate-co-nz to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Calculate.co.nz Calculators API

New Zealand tax, money and health calculations. Each one is a port of the calculator of the same name on calculate.co.nz, and the website is the reference: where the two disagre...

Calculate.co.nz Discovery API

Find the right page across all 2,377 calculators, 407 guides and 49 datasets. Only a handful of calculators have their own endpoint; everything else is reachable here as a URL.

Calculate.co.nz Reference data API

Current, dated, sourced New Zealand statutory rates: tax brackets, ACC, student loan, KiwiSaver, benefits. Maintained on a review calendar tied to when each figure actually chan...

Calculate.co.nz Service API

Liveness and the state of the search index.

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

calculate-co-nz-calculate-take-home-pay

AGENT SKILL

Calculate.co.nz API pricing

Prices published by Calculate.co.nz, read 2026-11-03 from www.calculate.co.nz/learning-center/pricing-your-home-gui....

Plan	Price
Petrol Car - 12 Months	$181.45
Petrol Car - 6 Months	$95.06
Petrol Car - 3 Months	$51.85
Diesel / EV - 12 Months	$248.83
Diesel / EV - 6 Months	$128.74
Diesel / EV - 3 Months	$68.69

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Calculate Co Nz Plans Pricing

6 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Calculate Co Nz Context

120 classes · 606 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Calculate.co.nz API Rules

67 rules · 60 errors 6 warnings 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

ElectricityCostResponse

2 properties

JSON SCHEMA

FinalPayRequest

16 properties

JSON SCHEMA

HolidayPayRequest

24 properties

JSON SCHEMA

ImportDutyResponse

2 properties

JSON SCHEMA

MinimumWageResponse

2 properties

JSON SCHEMA

NceaRankScoreResponse

2 properties

JSON SCHEMA

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Calculate Co Nz Authentication

apiKey · 1 scheme

SECURITY

Calculate Co Nz Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Calculate Co Nz Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Calculate Co Nz Agentic Access

52 operations · 46 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Access & Security 6

Authentication, authorization, and security posture

Security

SecurityTxt

SecurityTxt

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 2

The organization behind the API

Website

Website

About

About

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: calculate-co-nz
name: Calculate.co.nz
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.calculate.co.nz/calculate_logo.png
description: Calculate.co.nz provides New Zealand’s most comprehensive free collection of online calculators and financial
  literacy guides. It offers over 2,490 NZ‑specific calculators covering tax, GST, KiwiSaver, mortgages, insurance and more,
  plus 433 plain‑English guides and 31 learning pathways. Independent, no sign‑up required, and trusted by over two million
  Kiwis since 2019.
url: https://artifacts.apis.io/calculate-co-nz/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-03 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-03'
modified: '2026-11-03'
tags:
- Company
- Finance
- Calculators
- New Zealand
- Free
- Education
tags_raw:
- Company
- Finance
- Calculators
- NewZealand
- Free
- Education
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/calculate-co-nz-agentic-access.yml
- type: Plans
  url: plans/calculate-co-nz-plans-pricing.yml
- type: Spectral
  url: rules/calculate-co-nz-rules.yml
- type: JSONLD
  url: json-ld/calculate-co-nz-context.jsonld
- type: Vocabulary
  url: vocabulary/calculate-co-nz-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/calculate-co-nz-data-model.yml
- type: Security
  url: https://calculate.co.nz/about-us.php
- type: ErrorCatalog
  url: errors/calculate-co-nz-problem-types.yml
- type: Conformance
  url: conformance/calculate-co-nz-conformance.yml
- type: LLMsTxt
  url: llms/calculate-co-nz-llms.txt
- type: SecurityTxt
  url: well-known/calculate-co-nz-security.txt
- type: SecurityTxt
  url: well-known/calculate-co-nz-calculate-security.txt
- type: WellKnown
  url: well-known/calculate-co-nz-well-known.yml
- type: Hosts
  url: hosts/calculate-co-nz-hosts.yml
- type: Vendors
  url: vendors/calculate-co-nz-vendors.yml
- type: TermsOfService
  url: https://www.calculate.co.nz/terms.php
- type: PrivacyPolicy
  url: https://www.calculate.co.nz/privacy-policy.php
- type: Pricing
  url: https://www.calculate.co.nz/learning-center/pricing-your-home-guide.php
- type: APIReference
  url: https://www.calculate.co.nz/llms.txt
- type: Authentication
  url: authentication/calculate-co-nz-authentication.yml
- type: VulnerabilityDisclosure
  url: security/calculate-co-nz-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/calculate-co-nz-domain-security.yml
- type: Website
  url: https://calculate.co.nz/
- type: DeveloperPortal
  url: https://www.calculate.co.nz/
- type: Documentation
  url: https://www.calculate.co.nz/
- type: GettingStarted
  url: https://www.calculate.co.nz/learning-center/
- type: About
  url: https://www.calculate.co.nz/about-us.php
apis:
- aid: calculate-co-nz:calculate-co-nz-calculators-api
  name: Calculate.co.nz Calculators API
  description: 'New Zealand tax, money and health calculations. Each one is a port of the calculator of the same name on calculate.co.nz,
    and the website is the reference: where the two disagree the API is wrong until proven otherwise, and the test suite fails
    the build.'
  humanURL: https://www.calculate.co.nz/reference/
  baseURL: https://api.calculate.co.nz
  tags:
  - Calculators
  properties:
  - type: OpenAPI
    url: openapi/calculate-co-nz-calculators-api-openapi.yml
  - type: JSONSchema
    url: json-schema/calculate-co-nz-holiday-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-minimum-wage-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-final-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-import-duty-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-ncea-rank-score-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-electricity-cost-response-schema.json
- aid: calculate-co-nz:calculate-co-nz-discovery-api
  name: Calculate.co.nz Discovery API
  description: Find the right page across all 2,377 calculators, 407 guides and 49 datasets. Only a handful of calculators
    have their own endpoint; everything else is reachable here as a URL.
  humanURL: https://www.calculate.co.nz/reference/
  baseURL: https://api.calculate.co.nz
  tags:
  - Discovery
  properties:
  - type: OpenAPI
    url: openapi/calculate-co-nz-discovery-api-openapi.yml
  - type: JSONSchema
    url: json-schema/calculate-co-nz-holiday-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-minimum-wage-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-final-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-import-duty-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-ncea-rank-score-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-electricity-cost-response-schema.json
- aid: calculate-co-nz:calculate-co-nz-reference-data-api
  name: Calculate.co.nz Reference data API
  description: 'Current, dated, sourced New Zealand statutory rates: tax brackets, ACC, student loan, KiwiSaver, benefits.
    Maintained on a review calendar tied to when each figure actually changes, and consumed by the calculators above, so a
    wrong rate breaks a page rather than sitting unnoticed in a feed.'
  humanURL: https://www.calculate.co.nz/reference/
  baseURL: https://api.calculate.co.nz
  tags:
  - Reference Data
  tags_raw:
  - Reference data
  properties:
  - type: OpenAPI
    url: openapi/calculate-co-nz-reference-data-api-openapi.yml
  - type: JSONSchema
    url: json-schema/calculate-co-nz-holiday-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-minimum-wage-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-final-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-import-duty-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-ncea-rank-score-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-electricity-cost-response-schema.json
- aid: calculate-co-nz:calculate-co-nz-service-api
  name: Calculate.co.nz Service API
  description: Liveness and the state of the search index.
  humanURL: https://www.calculate.co.nz/reference/
  baseURL: https://api.calculate.co.nz
  tags:
  - Services
  tags_raw:
  - Service
  properties:
  - type: OpenAPI
    url: openapi/calculate-co-nz-service-api-openapi.yml
  - type: JSONSchema
    url: json-schema/calculate-co-nz-holiday-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-minimum-wage-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-final-pay-request-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-import-duty-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-ncea-rank-score-response-schema.json
  - type: JSONSchema
    url: json-schema/calculate-co-nz-electricity-cost-response-schema.json
x-enrichment:
  date: '2026-11-03'
  status: enriched
  artifacts_added: 26
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Calculate.co.nz API — frequently asked questions

Does Calculate.co.nz have an API?

Yes. APIs.io lists 4 APIs from Calculate.co.nz, including Calculate.co.nz Calculators API, Calculate.co.nz Discovery API and Calculate.co.nz Reference data API, and 1 more.

Is there an OpenAPI specification for the Calculate.co.nz API?

Yes. APIs.io indexes 4 OpenAPI specifications for Calculate.co.nz, each linked for download from this page.

How do I authenticate with the Calculate.co.nz API?

Calculate.co.nz uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Calculate Co Nz Authentication.

How much does the Calculate.co.nz API cost?

Calculate.co.nz publishes its prices; its Petrol Car - 12 Months plan is $181.45 as of 2026-11-03. APIs.io lists 6 pricing plans for Calculate.co.nz, with each plan's price, limits and inclusions under Pricing on this page.

Is the Calculate.co.nz API ready for AI agents?

Calculate.co.nz has a Kin Score of 43.5 out of 100 (developing) and an Agent Readiness score of 28.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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