Estimate the tax on your trading profits in seconds. Forex, crypto, metals or shares — this uses the actual New Zealand marginal tax brackets, ACC levy and provisional tax rules, and shows you every step of the working. Free, no sign-up.
Tax on your trading
$0.00
Income tax $0.00
Total tax (all income)
$0.00
On $0.00 taxable income
Your rates
0%
Effective · 0% marginal
Estimate only, for the 2026-27 tax year at current published NZ rates. Trading P&L is assumed to be on revenue account (taxable) and, if you ticked “business”, that a loss offset against other income is available to you. It doesn’t model Working for Families, student loan, KiwiSaver, or the FIF rules on overseas shares. This is a guide only and not tax advice — review with a qualified NZ tax accountant before filing. IRD official guidance →
New Zealand doesn’t have a capital gains tax, but that doesn’t mean trading is tax-free. When you trade actively — buying with the intention of selling for a profit — IRD treats your net gains as income. It gets added to your salary and other income and taxed at your marginal rate.
The rate isn’t flat. NZ tax is progressive: each slice of your income is taxed at its own rate, so only the portion above each threshold pays the higher rate. If you trade as a business you also pay the ACC earners’ levy on your trading income, and once the tax on your untaxed income tops $5,000 you generally move onto provisional tax the following year.
Because there’s no PAYE on trading profit, nothing is deducted at source — so the tax above is money you need to set aside yourself. Want the full picture, including the FIF rules on overseas shares and how IRD decides if you’re a trader? Those guides go deeper.
New Zealand has no capital gains tax, but active trading profits are treated as income and taxed at your marginal rate. Your net trading profit is added to your other income (like salary) and taxed on the progressive brackets — 10.5% up to $15,600, then 17.5%, 30%, 33% and 39% on the slices above. If you trade as a business you also pay the ACC earners levy on that income. This calculator applies those exact rules.
Yes. Profits from forex, crypto, metals and share trading are generally taxable as income in New Zealand when you are trading (buying with the intention of selling for a profit). Crypto is taxable even when you swap one coin for another, not just when you cash out to NZD. All amounts must be converted to NZD, ideally at the RBNZ mid-rate on each trade date.
If the tax owed on income that had no tax deducted at source (your residual income tax) is more than $5,000 in a year, IRD generally requires you to pay the following year in three provisional instalments — due 28 August, 15 January and 7 May — rather than in one lump sum. The calculator flags when your trading tax crosses that $5,000 line.
Only if your trading is classified as a business under NZ tax law. A genuine business trader can offset a net trading loss against other income such as salary, reducing overall tax. A passive or occasional investor generally cannot — their loss simply carries forward. If you are unsure which side of the line you fall on, confirm with an accountant before claiming the offset.
No. Trading P&L is an exempt financial service for GST, so it does not count toward the $60,000 GST registration threshold and you do not charge GST on trading gains. Only separate taxable supplies — selling courses, signals, coaching or subscriptions — count toward that threshold.
It uses the same tested tax engine that powers the full TradeLog NZ product — the current NZ marginal brackets, ACC earners levy rate and cap, and provisional tax threshold — and shows every step of the working. It is a guide only: it does not model Working for Families, student loan repayments, KiwiSaver, the FIF rules on overseas shares, or your full personal circumstances. Always confirm with a qualified NZ tax accountant before filing.
TradeLog NZ imports your trades, converts every one to NZD at the RBNZ rate, tracks losses across years and produces an accountant-ready tax summary — so you’re not estimating at all. Built for how NZ traders are actually taxed.
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