Household Ledger Policy snapshot: 16 September 2026

What the 2026 election could mean for your household

A household policy-impact calculator, not a "which party matches you" quiz. Adjust your details below and the estimates update for every party.

This is an independent, unofficial tool — it isn't produced by, endorsed by, or affiliated with the Electoral Commission or any political party. It covers the seven parties currently represented in Parliament; other parties may also be contesting this election. Figures are estimates for illustration, built from each party's own published policy material — always check the source links below before relying on a number.

Your household

These numbers are used to work out which policies apply to you and by how much.

Used for NZ First's Kiwi Kids Grant.
Assumes Auckland, Wellington or Christchurch, where the $20 weekly cap would apply.
Needed to work out TOP's Land Value Tax.
Only used for Labour's proposed 28% capital gains tax.
KiwiSaver is voluntary — pick 0% if you're not enrolled. 3% and above are the rates the scheme allows employees to choose.
3.5% is today's legal minimum for enrolled staff (from 1 April 2026). Some employers voluntarily offer more.
How KiwiSaver is treated: a higher employee contribution reduces your spendable income today. A higher employer contribution is retirement wealth, not cash in hand — so the two are shown separately rather than added into one number.
"Not quantified" is not the same as $0. It means there isn't enough published detail to put a reliable household dollar figure on that policy.

Estimated impact by party

Fill in your household above, then press "See my estimate" — your numbers will appear here and update live as you change any answer.

How to read this

This is a household-impact model, not a voting recommendation. It converts published party policy into an estimated annual dollar effect wherever the policy detail allows a defensible calculation.

Where a policy is real but published detail doesn't support a reliable household figure, it's labelled not quantified rather than assumed to be zero.

The number next to each party is a quantified annual cashflow estimate — it isn't a forecast of house prices, public-service quality, or the wider economy.

What's covered, party by party

ACT

Stays not quantified until the party publishes household-level tax parameters precise enough for a defensible calculation.

Green Party

Income-tax changes are quantified. Wealth, inheritance, corporate, bank and landlord measures are listed but only priced where household inputs support it.

Labour

Free GP visits, the public-transport fare cap, and the proposed investment-property capital gains tax are quantified where your inputs allow it. Other policies aren't assigned an arbitrary figure.

National

The student-loan repayment-rate change and KiwiSaver contribution changes are quantified, with KiwiSaver wealth kept separate from current cashflow. Its newly-announced openness to splitting up Foodstuffs isn't quantified — see below.

NZ First

The $14,000 tax-free threshold and the Kiwi Kids Grant are quantified where you're eligible. Its Foodstuffs break-up policy and other cost-of-living policies remain unquantified.

Te Pāti Māori

No dollar value is invented where the published policy doesn't support a household-specific calculation.

TOP (The Opportunities Party)

The income-tax change, Citizen's Income and Land Value Tax are quantified. KiwiSaver 2.0 effects are shown separately, split between cashflow and retirement wealth.

Official policy sources