Own overseas shares? Let's sort your FIF tax.

FIF tax is the tax New Zealand charges on most overseas shares. It sounds scarier than it is. Work through the friendly steps below — import a broker file or add holdings yourself — and we'll hand you the exact figures for your IR3, with every tax term explained along the way.

Free FIF tax calculator for New Zealand — FDR and CV side-by-side

Add your overseas shares

Pop in each holding — or let your broker file do the work.

No holdings yet. or .
Which rate should I use?

Tell us about your income

Optional — your FIF income is worked out without it; it just sets the tax rate applied to that income.

$

Salary, NZ dividends, the lot. A close guess is fine!

YOUR TAX RATE
0.00%
sorted automatically
Set my tax rate myself

Most people can leave this — we work it out from your income above.

Here's your verdict

The good bit — your numbers, ready for the IR3.

FDR vs CV — which method wins

Ready when you are

We'll compare the two allowed methods and use whichever costs you less. Editing holdings, FX, or income afterwards clears the result so you can recalculate cleanly.

FIF tax, in plain English

Who this FIF tax calculator is for

It’s built for New Zealand tax residents who hold overseas shares, whether through Hatch, Sharesies, Interactive Brokers, Tiger, or a broker abroad. The catch with FIF is that it doesn’t work like ordinary capital gains: in most years it taxes a notional return on what you held, not the profit you actually made when you sold. That trips up plenty of first-time investors.

The fiddly part is the maths IRD leaves to you. The calculator runs both methods, the Fair Dividend Rate (FDR) and Comparative Value (CV), and takes the lower result, as you’re allowed to. It checks whether your holdings sit under the $50,000 de minimis threshold (below which FIF tax may not apply at all), converts every amount to NZD using IRD’s published exchange rates, and shows its working at every step.

Everything runs in your browser. There’s no account to create, and your portfolio never leaves your device, because nothing is uploaded to a server. The calculations follow IRD’s IR461 guide and the Income Tax Act 2007, and a chartered accountant reviewed both the maths and the guides.

New to this? Start here
What FIF tax isThe $50,000 thresholdFDR vs CV