{"title":"Budget Calculator NZ — Weekly Household Budget Planner","description":"\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-bud\"\u003e\n\u003cstyle\u003e\n.kiwi-calc-embed{color:#0f172a;line-height:1.5;max-width:760px;margin:0 auto;text-align:left}\n.kiwi-calc-embed *{box-sizing:border-box}\n.kiwi-calc-embed .sub{color:#475569;margin:0 0 18px;font-size:1rem}\n.kiwi-calc-embed .card{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:20px;box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.kiwi-calc-embed .grid{display:grid;gap:14px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .full{grid-column:1\/-1}\n.kiwi-calc-embed label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}\n.kiwi-calc-embed input,.kiwi-calc-embed select{width:100%;padding:10px 12px;border:1px solid #e2e8f0;border-radius:10px;font-size:1rem;font-family:inherit;background:#fff}\n.kiwi-calc-embed .hint{font-size:.8rem;color:#475569;margin:4px 0 0}\n.kiwi-calc-embed .results{margin-top:18px;display:grid;gap:10px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .stat{background:#f0fdfa;border:1px solid #99f6e4;border-radius:12px;padding:12px}\n.kiwi-calc-embed .stat b{display:block;font-size:.75rem;color:#115e59;text-transform:uppercase;letter-spacing:.04em}\n.kiwi-calc-embed .stat span{font-size:1.25rem;font-weight:700}\n.kiwi-calc-embed .stat.neg span{color:#b91c1c}\n.kiwi-calc-embed .verdict{margin-top:14px;padding:12px 14px;border-radius:12px;background:#f8fafc;border:1px solid #e2e8f0;font-size:.95rem}\n.kiwi-calc-embed .note{font-size:.8rem;color:#475569;margin-top:12px}\n.kiwi-calc-embed .cta{margin-top:24px;padding:18px;border-radius:14px;background:#0f172a;color:#fff}\n.kiwi-calc-embed .cta a{color:#5eead4}\n.kiwi-calc-embed .cta .btn{display:inline-block;margin-top:10px;background:#0d9488;color:#fff;text-decoration:none;font-weight:700;padding:11px 18px;border-radius:999px}\n.kiwi-calc-embed h2{font-size:1.25rem;margin:32px 0 10px;letter-spacing:-.01em}\n.kiwi-calc-embed h3{font-size:1.02rem;margin:18px 0 4px}\n.kiwi-calc-embed p{margin:0 0 10px}\n.kiwi-calc-embed table.assump{width:100%;border-collapse:collapse;font-size:.9rem}\n.kiwi-calc-embed table.assump td{padding:6px 8px;border-bottom:1px solid #e2e8f0;vertical-align:top}\n.kiwi-calc-embed table.assump td:first-child{font-weight:600;width:42%}\n.kiwi-calc-embed .related ul{margin:0;padding-left:1.2rem;line-height:1.8}\n.kiwi-calc-embed .kiwi-adsense{margin:18px 0}\n.kiwi-calc-embed .small{font-size:.8rem;color:#64748b}\n@media (max-width:560px){.kiwi-calc-embed .grid,.kiwi-calc-embed .results{grid-template-columns:1fr}}\n\u003c\/style\u003e\n\u003cp class=\"sub\"\u003eA simple NZ household budget calculator: enter take-home pay and what you spend in each category (weekly, fortnightly or monthly — mix and match), and see what's left, how it splits between needs and wants, and whether you're hitting a savings target.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003cdiv class=\"card\"\u003e\n\u003cdiv class=\"grid\"\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-income\"\u003eTake-home income (after tax)\u003c\/label\u003e\u003cinput id=\"kc-bud-income\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"10\" value=\"1450\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-ifreq\"\u003eIncome is per\u003c\/label\u003e\u003cselect id=\"kc-bud-ifreq\"\u003e\u003coption value=\"52\" selected\u003eWeek\u003c\/option\u003e\n\u003coption value=\"26\"\u003eFortnight\u003c\/option\u003e\n\u003coption value=\"12\"\u003eMonth\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"full\"\u003e\n\u003clabel for=\"kc-bud-efreq\"\u003eExpenses below are per\u003c\/label\u003e\u003cselect id=\"kc-bud-efreq\"\u003e\u003coption value=\"52\" selected\u003eWeek\u003c\/option\u003e\n\u003coption value=\"26\"\u003eFortnight\u003c\/option\u003e\n\u003coption value=\"12\"\u003eMonth\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-rent\"\u003eRent or mortgage\u003c\/label\u003e\u003cinput id=\"kc-bud-rent\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"650\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-power\"\u003ePower, gas, water\u003c\/label\u003e\u003cinput id=\"kc-bud-power\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"70\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-internet\"\u003eInternet \u0026amp; phone\u003c\/label\u003e\u003cinput id=\"kc-bud-internet\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"35\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-insurance\"\u003eInsurance (car, contents, health, life)\u003c\/label\u003e\u003cinput id=\"kc-bud-insurance\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"60\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-groceries\"\u003eGroceries\u003c\/label\u003e\u003cinput id=\"kc-bud-groceries\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"260\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-transport\"\u003eTransport (fuel, PT, parking, rego, WoF)\u003c\/label\u003e\u003cinput id=\"kc-bud-transport\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"110\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-debt\"\u003eLoan \u0026amp; credit card repayments\u003c\/label\u003e\u003cinput id=\"kc-bud-debt\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"80\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-kids\"\u003eChildcare, school, kids\u003c\/label\u003e\u003cinput id=\"kc-bud-kids\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"60\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-health\"\u003eHealth, doctor, pharmacy\u003c\/label\u003e\u003cinput id=\"kc-bud-health\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"25\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-eating\"\u003eEating out, takeaways, coffee\u003c\/label\u003e\u003cinput id=\"kc-bud-eating\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"90\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-subs\"\u003eSubscriptions \u0026amp; streaming\u003c\/label\u003e\u003cinput id=\"kc-bud-subs\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"30\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-personal\"\u003eClothing, personal, gifts\u003c\/label\u003e\u003cinput id=\"kc-bud-personal\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"60\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-fun\"\u003eEntertainment, hobbies, sport\u003c\/label\u003e\u003cinput id=\"kc-bud-fun\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"50\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-bud-other\"\u003eEverything else\u003c\/label\u003e\u003cinput id=\"kc-bud-other\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"40\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"full\"\u003e\n\u003clabel for=\"kc-bud-savegoal\"\u003eSavings target (% of income)\u003c\/label\u003e\u003cinput id=\"kc-bud-savegoal\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"10\"\u003e\u003cp class=\"hint\"\u003eSorted suggests paying yourself first — even 5% builds an emergency fund.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"results\"\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-inc-box\"\u003e\n\u003cb\u003eIncome per week\u003c\/b\u003e\u003cspan id=\"kc-bud-inc\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-exp-box\"\u003e\n\u003cb\u003eSpending per week\u003c\/b\u003e\u003cspan id=\"kc-bud-exp\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-left-box\"\u003e\n\u003cb\u003eLeft over per week\u003c\/b\u003e\u003cspan id=\"kc-bud-left\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-year-box\"\u003e\n\u003cb\u003eLeft over per year\u003c\/b\u003e\u003cspan id=\"kc-bud-year\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-needs-box\"\u003e\n\u003cb\u003eNeeds (housing, bills, food, transport)\u003c\/b\u003e\u003cspan id=\"kc-bud-needs\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-bud-wants-box\"\u003e\n\u003cb\u003eWants (eating out, fun, subs, personal)\u003c\/b\u003e\u003cspan id=\"kc-bud-wants\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"verdict\" id=\"kc-bud-verdict\"\u003e\u003c\/div\u003e\n\u003cp class=\"note\"\u003eGeneral information only — not financial, tax or legal advice. Figures are estimates from the inputs you enter. Confirm with your adviser, accountant, lender or insurer.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cscript\u003e(function(){var R=document.getElementById('kc-bud');var $=function(id){return R.querySelector('#kc-bud-'+id);};\nvar fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\nvar pct=function(n,d){return isFinite(n)?n.toFixed(d==null?2:d)+'%':'—';};var num=function(id){var v=parseFloat(($(id)||{}).value);return isFinite(v)?v:0;};\nvar keys=[\"rent\", \"power\", \"internet\", \"insurance\", \"groceries\", \"transport\", \"debt\", \"kids\", \"health\", \"eating\", \"subs\", \"personal\", \"fun\", \"other\"];var needsK=['rent','power','internet','insurance','groceries','transport','debt','kids','health'];\nfunction calc(){var inc=num('income')*parseFloat($('ifreq').value)\/52;var ef=parseFloat($('efreq').value)\/52;var exp=0,needs=0;keys.forEach(function(k){var v=num(k)*ef;exp+=v;if(needsK.indexOf(k)\u003e=0)needs+=v;});var wants=exp-needs;var left=inc-exp;var goal=inc*num('savegoal')\/100;\n$('inc').textContent=fmt(inc);$('exp').textContent=fmt(exp);$('left').textContent=fmt(left);$('left-box').className='stat'+(left\u003c0?' neg':'');$('year').textContent=fmt(left*52);$('year-box').className='stat'+(left\u003c0?' neg':'');\n$('needs').textContent=fmt(needs)+' ('+pct(inc\u003e0?needs\/inc*100:0,0)+')';$('wants').textContent=fmt(wants)+' ('+pct(inc\u003e0?wants\/inc*100:0,0)+')';\nvar v=left\u003c0?'You are spending about \u003cstrong\u003e'+fmt(-left)+' a week more than comes in\u003c\/strong\u003e ('+fmt(-left*52)+' a year). Start with the wants column — it is '+pct(inc\u003e0?wants\/inc*100:0,0)+' of income.':'You have about \u003cstrong\u003e'+fmt(left)+' a week\u003c\/strong\u003e left over ('+fmt(left*52)+' a year). ';\nif(left\u003e=0)v+=left\u003e=goal?'That clears your '+num('savegoal')+'% savings target ('+fmt(goal)+'\/wk) — set up an automatic transfer on payday.':'That is short of your '+num('savegoal')+'% savings target ('+fmt(goal)+'\/wk) by '+fmt(goal-left)+'.';\nif(inc\u003e0\u0026\u0026needs\/inc\u003e0.6)v+=' Needs are over 60% of income — housing or debt costs are the pressure point, not coffee.';$('verdict').innerHTML=v;}\n\nR.querySelectorAll('input,select').forEach(function(el){el.addEventListener('input',calc);el.addEventListener('change',calc);});calc();})();\u003c\/script\u003e\n\u003cdiv class=\"cta\"\u003e\n\u003cstrong\u003eRunning a rental or a small business alongside the day job?\u003c\/strong\u003e\u003cbr\u003eThe NZ Landlord Pack (rental tracker + Healthy Homes checklist, NZ$39) keeps the numbers you'll need at tax time in one place. Excel \u0026amp; Google Sheets.\u003cbr\u003e\u003ca class=\"btn\" href=\"\/products\/nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download\"\u003eSee the Landlord Pack — NZ$39\u003c\/a\u003e\u003cp class=\"small\" style=\"color:#94a3b8;margin:10px 0 0\"\u003ePrices exclude GST. Illustrative tools only — not legal, tax or financial advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2\u003eHow to use it without lying to yourself\u003c\/h2\u003e\n\u003cp\u003ePull the last two months of bank and card statements and put real averages in, not what you intend to spend. Groceries, eating out and transport are where most NZ budgets are 20–30% under-estimated. Put annual bills (rego, insurance, school fees) in as their weekly equivalent so they stop being surprises.\u003c\/p\u003e\n\u003ch2\u003eNeeds, wants, savings\u003c\/h2\u003e\n\u003cp\u003eA common rule of thumb is roughly 50% needs, 30% wants, 20% savings and debt repayment. With NZ housing costs many households can't get needs under 50% — that's a structural issue (rent, mortgage, childcare), not a discipline one. If your needs are over 60%, the answer is usually a bigger move (flatmate, refinancing, childcare subsidy check on Work and Income) rather than cutting subscriptions.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eFrequencies\u003c\/td\u003e\n\u003ctd\u003eEverything normalised to a weekly figure (÷52) for comparison; annual = weekly × 52.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNeeds vs wants\u003c\/td\u003e\n\u003ctd\u003eNeeds = housing, utilities, insurance, groceries, transport, debt, kids, health; wants = the rest. Change categories as you see fit.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSources\u003c\/td\u003e\n\u003ctd\u003esorted.org.nz budgeting tool; MoneyTalks; Stats NZ Household Economic Survey\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cp class=\"small\"\u003eLast reviewed 6 September 2026. Rates and thresholds change — check the linked sources before relying on a figure.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eWhat is the 50\/30\/20 budget rule?\u003c\/h3\u003e\n\u003cp\u003eSpend about 50% of take-home pay on needs (housing, bills, food, transport, minimum debt payments), 30% on wants, and put 20% toward savings and extra debt repayment. It is a guide, not a law — adjust the split to your situation.\u003c\/p\u003e\n\u003ch3\u003eHow much should I save each week in NZ?\u003c\/h3\u003e\n\u003cp\u003eSorted suggests starting with whatever you can automate on payday — 5–10% of take-home is a common first target, building an emergency fund of three months' expenses before longer-term goals.\u003c\/p\u003e\n\u003ch3\u003eWhat is the average weekly household spend in NZ?\u003c\/h3\u003e\n\u003cp\u003eStats NZ's Household Economic Survey puts average household expenditure well over $1,500 a week, with housing the largest item, but averages hide huge variation by region and household size. Your own statements are the better benchmark.\u003c\/p\u003e\n\u003ch3\u003eWhere can I get free budgeting help in NZ?\u003c\/h3\u003e\n\u003cp\u003eMoneyTalks (0800 345 123) connects you to free financial mentors nationwide; Sorted.org.nz has free tools and guides; Work and Income can check what support you may be eligible for.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"What is the 50\/30\/20 budget rule?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Spend about 50% of take-home pay on needs (housing, bills, food, transport, minimum debt payments), 30% on wants, and put 20% toward savings and extra debt repayment. It is a guide, not a law — adjust the split to your situation.\"}}, {\"@type\": \"Question\", \"name\": \"How much should I save each week in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Sorted suggests starting with whatever you can automate on payday — 5–10% of take-home is a common first target, building an emergency fund of three months' expenses before longer-term goals.\"}}, {\"@type\": \"Question\", \"name\": \"What is the average weekly household spend in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Stats NZ's Household Economic Survey puts average household expenditure well over $1,500 a week, with housing the largest item, but averages hide huge variation by region and household size. Your own statements are the better benchmark.\"}}, {\"@type\": \"Question\", \"name\": \"Where can I get free budgeting help in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"MoneyTalks (0800 345 123) connects you to free financial mentors nationwide; Sorted.org.nz has free tools and guides; Work and Income can check what support you may be eligible for.\"}}]}\u003c\/script\u003e\n\u003cnav class=\"related\" aria-label=\"Related NZ calculators\"\u003e\u003ch2\u003eRelated NZ calculators\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/income-tax-calculator-nz\"\u003eIncome tax calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/car-loan-calculator-nz\"\u003eCar loan calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-compound-growth-calculator\"\u003eInvestment \u0026amp; savings calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-calculators\"\u003eAll NZ calculators\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/nav\u003e\n\u003c\/div\u003e","products":[{"product_id":"nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download","title":"NZ Landlord Pack — Rental Property Tracker + Healthy Homes Checklist","description":"\u003cp\u003e\u003cstrong\u003eEvery record your accountant asks for in April — kept in one place all year.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eInstant download, no shipping.\u003c\/strong\u003e Your secure download link is emailed within minutes of checkout. Check the inbox you used at checkout, including spam and promotions. Files open in Excel or Google Sheets, on any device.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMulti-property tracker\u003c\/strong\u003e — up to 10 properties, with rent income and expense logs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIRD-aligned expense categories\u003c\/strong\u003e — rates, insurance, interest, repairs \u0026amp; maintenance, management fees and more, auto-totalled per category for your IR3R\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAuto-calculating summary\u003c\/strong\u003e — per-property income, expenses and net result, updated live\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHealthy Homes Standards checklist\u003c\/strong\u003e — heating, insulation, ventilation, moisture and draught-stopping, with an evidence column per property\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInspection log and tenancy \u0026amp; bond register\u003c\/strong\u003e — your paper trail for bond lodgements, rent reviews, smoke alarm checks and insurance expiry\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eBuilt for New Zealand rules rather than adapted from a US template. Buy once, use every year.\u003c\/p\u003e\n\u003ch3\u003eBond and tenancy paperwork\u003c\/h3\u003e\n\u003cp\u003eThe bond register records the amount held, the date received and the date lodged with Tenancy Services — bond must generally be lodged within 23 working days of receiving it. Come move-out, a refund deduction needs evidence and either the tenant's agreement or a Tenancy Tribunal order, so the dated condition and inspection entries are the part that matters.\u003c\/p\u003e\n\u003cp\u003eUse the free official residential tenancy agreement form from \u003ca href=\"https:\/\/www.tenancy.govt.nz\/\"\u003eTenancy Services\u003c\/a\u003e — we don't sell a substitute for it. The Pack tracks what you issued and when. Background reading: \u003ca href=\"\/blogs\/blog\/nz-landlord-responsibilities-obligations-checklist\"\u003eNZ landlord responsibilities checklist\u003c\/a\u003e and \u003ca href=\"\/blogs\/blog\/healthy-homes-compliance-statement-nz\"\u003ewhat a Healthy Homes compliance statement must contain\u003c\/a\u003e.\u003c\/p\u003e\n\u003ch3\u003eNeed the full compliance set?\u003c\/h3\u003e\n\u003cp\u003eThe Pack is the record-keeping core. The \u003ca href=\"\/products\/nz-landlord-compliance-kit\"\u003e\u003cstrong\u003eNZ Landlord Compliance Kit — NZ$99\u003c\/strong\u003e\u003c\/a\u003e builds on it with a quick-start PDF showing how to fill each sheet in under 30 minutes, plus the full tenancy, bond and inspection documentation set for landlords who want a file that stands up to an insurer, a property manager or the Tenancy Tribunal.\u003c\/p\u003e\n\u003cp\u003eStart with the Pack if you mainly need the numbers straight for your accountant. Choose the Kit if compliance evidence is the part that keeps you up at night.\u003c\/p\u003e\n\u003ch3\u003eBuying with confidence\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eSecure checkout; download link emailed within minutes\u003c\/li\u003e\n\u003cli\u003e7-day refund if the files won't open\u003c\/li\u003e\n\u003cli\u003ePrice excludes GST — GST is calculated at checkout\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cem\u003eA record-keeping tool, not legal or tax advice. Confirm current-year rules with Tenancy Services, MBIE Healthy Homes guidance and your accountant or ird.govt.nz.\u003c\/em\u003e\u003c\/p\u003e\n\u003chr\u003e\n\u003cdetails\u003e\n\u003csummary\u003e\u003cstrong\u003eFree tools that pair with the Pack\u003c\/strong\u003e\u003c\/summary\u003e\n\u003cp\u003eIllustrative calculators, free to use — not advice.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-rental-yield-calculator\"\u003eRental yield calculator (gross \u0026amp; net)\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/healthy-homes-standards-landlord-checklist-nz\"\u003eHealthy Homes Standards checklist\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/rental-yield-calculator-nz\"\u003eWhat is a good rental yield in NZ?\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/collections\/nz-compound-growth-calculator\"\u003eInvestment \u0026amp; savings calculator\u003c\/a\u003e · \u003ca href=\"\/collections\/compound-interest-calculator-nz-guide\"\u003ehow compound interest works\u003c\/a\u003e\n\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-gst-inclusive-exclusive-calculator\"\u003eGST calculator (add or remove 15%)\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/details\u003e","brand":"The Kiwi Crate","offers":[{"title":"Default Title","offer_id":48865538113719,"sku":"KC-DIG-LLP-01","price":39.0,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/3308\/7415\/files\/hero.png?v=1788661213"}],"url":"https:\/\/thekiwicrate.co.nz\/collections\/budget-calculator-nz.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}