Collection: Free NZ Calculators — Property, Money, Tax & Insurance
Free, NZ-specific calculators with the rules, rates and thresholds that apply here — GST at 15%, RBNZ lending rules, IRD tax bands, MBIE Healthy Homes Standards. Every tool shows its assumptions and sources. New calculators are added regularly; the list below is the current directory.
Property & landlord
- Investment property calculator — cashflow, yield, LVR
- Rental yield calculator
- What is a good rental yield in NZ? (guide)
- Mortgage repayment calculator
- Mortgage break fee & refinance calculator — estimates only
- Borrowing power & LVR calculator
- Rental income tax calculator
- Healthy Homes Standards landlord checklist
Landlord guides (2026 rules)
- Periodic vs fixed-term tenancy — notice periods and what changed
- Tenancy agreement NZ — what must be in it and the free form
- Healthy Homes assessment — cost, and how to do it yourself
- Tenancy bonds — charging, lodging (Bond Hub), pet bonds and refunds
- Rental property inspection checklist
- Landlord insurance — what it covers and how to compare
- Rental income tax 2025–26 — deductions, ring-fencing, IR3R
- Chattel depreciation — what you can claim
- New tenancy — the landlord's first-week checklist
Insurance
- Contents insurance calculator — value your contents
- House insurance rebuild cost & sum-insured checker
Money & tax
- Income tax & PAYE calculator — take-home pay
- NZ GST calculator — add or remove 15%
- Term deposit calculator — net of RWT
- KiwiSaver calculator — balance at 65
- Investment & savings (compound growth) calculator
- How compound interest works in NZ (guide)
- Car loan calculator
- Budget calculator — weekly household budget
- Percentage calculator
Small business, work & pay
- Margin, markup & discount calculator (GST-aware)
- Annual leave calculator — Holidays Act
- Hours & timesheet calculator
- Working days calculator — NZ public holidays
Coming next
Inflation and CPI, retirement drawdown, life insurance needs, fuel and mileage, BMI, TDEE and calorie, pregnancy due date, age, geometry and conversion calculators — one directory of NZ calculators built to the same standard.
NZ Landlord Pack (rental tracker + Healthy Homes checklist, NZ$39) and the NZ Landlord Compliance Kit (Healthy Homes, bond, IR3R-aligned expenses and inspection registers, NZ$99). Excel & Google Sheets, instant download.
See the Landlord Pack — NZ$39
Prices exclude GST. Illustrative tools only — not legal, tax or financial advice.
All calculators are general information only — not financial, tax, legal or insurance advice. Confirm figures with IRD, Tenancy Services, your bank, insurer or adviser.
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NZ Landlord Compliance Kit — Healthy Homes, Bond & IR3R Tracker | Excel & Google Sheets
Regular price $99.00 NZDRegular priceSale price $99.00 NZD -
NZ Landlord Pack — Rental Property Tracker + Healthy Homes Checklist
Regular price $39.00 NZDRegular priceSale price $39.00 NZD