Skip to main content
0800 22 11 77 Educator Portal

Home Based Educator Earnings Calculator

Calculate how much you could earn and be valued for your contribution.

Set your own hours and rates. Be flexible and enjoy a great income.

Your care arrangement

Per child, per hour

Your comparison

Annual, based on your figures

Your take-home (self-employed)

To match

Salary needed under PAYE

Gross, before tax

Breakdown

Take-home per working weekWhat lands in your account for each week you work, across 46 weeks a year
Annual gross incomeYour hourly rate plus the Nurtured at Home top-up, over 46 weeks
Tax-free standard costsIRD IR413 standard costs for the 2026 income year (1 April 2025 to 31 March 2026)
Taxable incomeAnnual gross income less tax-free standard costs
Annual tax payableBased on standard-cost deductions for home-based care

You may be able to claim further tax deductions, such as ACC levies and a share of your home costs (rent or mortgage). These would reduce the tax you pay and increase your take-home pay. See the IR413 form for details (PDF, opens in a new tab)

Assumptions
  • Care is provided for 46 weeks of the year, allowing for public holidays and time off. Educator numbers change through the year and income is not guaranteed.
  • Childcare is your only income.
  • Tax-free standard costs use the IRD IR413 rates for the 2026 income year (1 April 2025 to 31 March 2026).
  • KiwiSaver, student loan repayments and Working for Families are not included.
  • Figures include the Nurtured at Home top-up of $1.20 per child per hour on top of your hourly rate, which applies when you collect your own parent fees. The top-up can differ if Nurtured at Home collects fees for you or depending on your qualifications.

Please note that calculated figures are indicative only, based on a number of assumed variables, and do not represent a guarantee.