{"title":"Income Tax \u0026 PAYE Calculator NZ — Take-Home Pay 2025–26","description":"\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-paye\"\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\"\u003eWork out your take-home pay in New Zealand from a salary, wage or hourly rate — income tax at the current PAYE bands, ACC earners' levy, your KiwiSaver contribution and student loan repayments. Weekly, fortnightly, monthly and annual figures.\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-paye-income\"\u003eGross income (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-paye-income\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"500\" value=\"75000\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-freq\"\u003eIncome is per\u003c\/label\u003e\u003cselect id=\"kc-paye-freq\"\u003e\u003coption value=\"1\" selected\u003eYear\u003c\/option\u003e\n\u003coption value=\"12\"\u003eMonth\u003c\/option\u003e\n\u003coption value=\"26\"\u003eFortnight\u003c\/option\u003e\n\u003coption value=\"52\"\u003eWeek\u003c\/option\u003e\n\u003coption value=\"hour\"\u003eHour (uses hours\/week below)\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-hours\"\u003eHours per week (only if paid hourly)\u003c\/label\u003e\u003cinput id=\"kc-paye-hours\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.5\" value=\"40\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-ks\"\u003eKiwiSaver employee contribution (%)\u003c\/label\u003e\u003cinput id=\"kc-paye-ks\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.5\" value=\"3.5\"\u003e\u003cp class=\"hint\"\u003eDefault rate rose from 3% to 3.5% on 1 April 2026 (4% from 1 April 2028). You can opt for 3%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-sl\"\u003eStudent loan\u003c\/label\u003e\u003cselect id=\"kc-paye-sl\"\u003e\u003coption value=\"0\" selected\u003eNo\u003c\/option\u003e\n\u003coption value=\"1\"\u003eYes — 12% above the repayment threshold\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-acc\"\u003eACC earners' levy (%)\u003c\/label\u003e\u003cinput id=\"kc-paye-acc\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.01\" value=\"1.67\"\u003e\u003cp class=\"hint\"\u003e1.67% for 2025–26 up to the maximum liable earnings; check acc.co.nz for the current year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-acccap\"\u003eACC maximum liable earnings (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-paye-acccap\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"10\" value=\"152790\"\u003e\u003cp class=\"hint\"\u003e2025–26 figure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-paye-slthresh\"\u003eStudent loan repayment threshold (NZ$ per year)\u003c\/label\u003e\u003cinput id=\"kc-paye-slthresh\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"24128\"\u003e\u003cp class=\"hint\"\u003e2025–26 annual threshold — ird.govt.nz\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"results\"\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-gross-box\"\u003e\n\u003cb\u003eGross per year\u003c\/b\u003e\u003cspan id=\"kc-paye-gross\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-tax-box\"\u003e\n\u003cb\u003eIncome tax\u003c\/b\u003e\u003cspan id=\"kc-paye-tax\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-accv-box\"\u003e\n\u003cb\u003eACC levy\u003c\/b\u003e\u003cspan id=\"kc-paye-accv\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-ksv-box\"\u003e\n\u003cb\u003eKiwiSaver (yours)\u003c\/b\u003e\u003cspan id=\"kc-paye-ksv\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-slv-box\"\u003e\n\u003cb\u003eStudent loan\u003c\/b\u003e\u003cspan id=\"kc-paye-slv\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-net-box\"\u003e\n\u003cb\u003eTake-home per year\u003c\/b\u003e\u003cspan id=\"kc-paye-net\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-netm-box\"\u003e\n\u003cb\u003eTake-home per month\u003c\/b\u003e\u003cspan id=\"kc-paye-netm\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-paye-netw-box\"\u003e\n\u003cb\u003eTake-home per week\u003c\/b\u003e\u003cspan id=\"kc-paye-netw\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"verdict\" id=\"kc-paye-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-paye');var $=function(id){return R.querySelector('#kc-paye-'+id);};\nvar fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\nvar pct=function(n,d){return isFinite(n)?n.toFixed(d==null?2:d)+'%':'—';};var num=function(id){var v=parseFloat(($(id)||{}).value);return isFinite(v)?v:0;};\nvar bands=[[15600,0.105],[53500,0.175],[78100,0.30],[180000,0.33],[Infinity,0.39]];function taxOn(x){var t=0,lo=0;for(var i=0;i\u003cbands.length;i++){var hi=bands[i][0];if(x\u003elo)t+=(Math.min(x,hi)-lo)*bands[i][1];lo=hi;}return t;}\nfunction calc(){var f=$('freq').value,g=num('income');var gross=f==='hour'?g*num('hours')*52:g*parseFloat(f);\nvar tax=taxOn(gross);var acc=Math.min(gross,num('acccap'))*num('acc')\/100;var ks=gross*num('ks')\/100;var sl=$('sl').value==='1'?Math.max(0,gross-num('slthresh'))*0.12:0;\nvar net=gross-tax-acc-ks-sl;var eff=gross\u003e0?(tax\/gross*100):0;\n$('gross').textContent=fmt(gross);$('tax').textContent=fmt(tax);$('accv').textContent=fmt(acc);$('ksv').textContent=fmt(ks);$('slv').textContent=fmt(sl);\n$('net').textContent=fmt(net);$('netm').textContent=fmt(net\/12);$('netw').textContent=fmt(net\/52);\nvar top=0,lo=0;for(var i=0;i\u003cbands.length;i++){if(gross\u003elo)top=bands[i][1];lo=bands[i][0];}\n$('verdict').innerHTML='On \u003cstrong\u003e'+fmt(gross)+'\u003c\/strong\u003e a year you pay about \u003cstrong\u003e'+fmt(tax)+'\u003c\/strong\u003e in income tax (effective rate '+pct(eff,1)+', top marginal rate '+pct(top*100,1)+'), plus ACC. After KiwiSaver'+(sl\u003e0?' and student loan':'')+' your take-home is roughly \u003cstrong\u003e'+fmt(net\/52)+' a week\u003c\/strong\u003e. Your employer adds its own KiwiSaver contribution on top of this — it is not deducted from your pay.';}\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 PAYE works in NZ\u003c\/h2\u003e\n\u003cp\u003eNew Zealand taxes income in bands: the first $15,600 at 10.5%, the next slice to $53,500 at 17.5%, then 30% to $78,100, 33% to $180,000 and 39% above that. Only the dollars inside each band are taxed at that band's rate, which is why your \u003cem\u003eeffective\u003c\/em\u003e rate is always lower than your top rate. Your employer deducts tax through PAYE each pay day, along with the ACC earners' levy (which funds non-work injury cover), your KiwiSaver contribution, and student loan repayments of 12 cents in every dollar above the repayment threshold.\u003c\/p\u003e\n\u003ch2\u003eKiwiSaver changes to know about\u003c\/h2\u003e\n\u003cp\u003eFrom 1 April 2026 the default employee and employer contribution rate rose from 3% to 3.5%, and it rises again to 4% on 1 April 2028; employees can apply to stay at 3% temporarily. The government contribution was halved to 25 cents per dollar (maximum $260.72 a year) from 1 July 2025 and is not paid to people earning over $180,000. None of that changes what your employer pays you — it changes what lands in your KiwiSaver account.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eIncome tax bands\u003c\/td\u003e\n\u003ctd\u003e2025–26 and 2026–27: 10.5% to $15,600 · 17.5% to $53,500 · 30% to $78,100 · 33% to $180,000 · 39% above — ird.govt.nz\/income-tax\/income-tax-for-individuals\/tax-codes-and-tax-rates-for-individuals\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eACC earners' levy\u003c\/td\u003e\n\u003ctd\u003e1.67% up to $152,790 liable earnings for 2025–26 (editable) — acc.co.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKiwiSaver\u003c\/td\u003e\n\u003ctd\u003eEmployee rate default 3.5% from 1 April 2026; options 3–10%; employer contribution not deducted from pay — kiwisaver.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStudent loan\u003c\/td\u003e\n\u003ctd\u003e12% of income above the annual repayment threshold ($24,128 for 2025–26, editable) — ird.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNot included\u003c\/td\u003e\n\u003ctd\u003eSecondary tax codes, extra-pay rates, Working for Families, Independent Earner Tax Credit, ESCT on employer KiwiSaver.\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\u003eHow much tax do I pay on $70,000 in NZ?\u003c\/h3\u003e\n\u003cp\u003eAbout $13,221 in income tax for the 2025–26 year: 10.5% on the first $15,600 ($1,638), 17.5% on the next $37,900 ($6,632.50), and 30% on the remaining $16,500 ($4,950). ACC levy, KiwiSaver and any student loan come off on top of that.\u003c\/p\u003e\n\u003ch3\u003eWhat is the ACC earners' levy?\u003c\/h3\u003e\n\u003cp\u003eA levy deducted with PAYE that funds ACC cover for injuries outside work. For 2025–26 it is $1.67 per $100 of earnings (1.67%) up to maximum liable earnings of $152,790. ACC sets the rate each year.\u003c\/p\u003e\n\u003ch3\u003eDoes KiwiSaver come out of my pay before or after tax?\u003c\/h3\u003e\n\u003cp\u003eAfter tax. Your contribution (3%, 3.5%, 4%, 6%, 8% or 10% of gross pay) is deducted from your after-tax pay. Your employer's contribution is paid on top of your salary and is taxed separately (ESCT) before it reaches your account.\u003c\/p\u003e\n\u003ch3\u003eIs this calculator exact?\u003c\/h3\u003e\n\u003cp\u003eIt applies the published bands and rates to annual income and divides evenly across pay periods. Real payslips can differ slightly because PAYE tables round per pay period, secondary tax codes work differently, and extra pays (bonuses, lump sums) are taxed at a flat rate on the pay. Use it for planning; your payslip and IRD are the record.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much tax do I pay on $70,000 in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"About $13,221 in income tax for the 2025–26 year: 10.5% on the first $15,600 ($1,638), 17.5% on the next $37,900 ($6,632.50), and 30% on the remaining $16,500 ($4,950). ACC levy, KiwiSaver and any student loan come off on top of that.\"}}, {\"@type\": \"Question\", \"name\": \"What is the ACC earners' levy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"A levy deducted with PAYE that funds ACC cover for injuries outside work. For 2025–26 it is $1.67 per $100 of earnings (1.67%) up to maximum liable earnings of $152,790. ACC sets the rate each year.\"}}, {\"@type\": \"Question\", \"name\": \"Does KiwiSaver come out of my pay before or after tax?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"After tax. Your contribution (3%, 3.5%, 4%, 6%, 8% or 10% of gross pay) is deducted from your after-tax pay. Your employer's contribution is paid on top of your salary and is taxed separately (ESCT) before it reaches your account.\"}}, {\"@type\": \"Question\", \"name\": \"Is this calculator exact?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It applies the published bands and rates to annual income and divides evenly across pay periods. Real payslips can differ slightly because PAYE tables round per pay period, secondary tax codes work differently, and extra pays (bonuses, lump sums) are taxed at a flat rate on the pay. Use it for planning; your payslip and IRD are the record.\"}}]}\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\/rental-income-tax-calculator-nz\"\u003eRental income tax calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/kiwisaver-calculator-nz\"\u003eKiwiSaver calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/budget-calculator-nz\"\u003eBudget calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/hours-timesheet-calculator-nz\"\u003eHours \u0026amp; timesheet calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-gst-inclusive-exclusive-calculator\"\u003eNZ GST 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\/income-tax-calculator-nz.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}