{"title":"Rental Income Tax Calculator NZ — Tax on Your Rental Profit","description":"\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-rit\"\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\"\u003eEstimate the income tax on your NZ rental property profit for the 2025–26 tax year. Enter your other income, rent and deductible expenses; the calculator applies the current PAYE bands and the interest-deductibility rules to show the tax the rental adds.\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-rit-income\"\u003eYour other taxable income for the year (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-income\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1000\" value=\"85000\"\u003e\u003cp class=\"hint\"\u003eSalary, wages, business income — before tax.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-rent\"\u003eGross rent received (NZ$ per year)\u003c\/label\u003e\u003cinput id=\"kc-rit-rent\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"100\" value=\"33800\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-interest\"\u003eMortgage interest paid on the rental (NZ$ per year)\u003c\/label\u003e\u003cinput id=\"kc-rit-interest\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"100\" value=\"21000\"\u003e\u003cp class=\"hint\"\u003eInterest only — not principal repayments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-deduct\"\u003eInterest deductibility\u003c\/label\u003e\u003cselect id=\"kc-rit-deduct\"\u003e\u003coption value=\"100\" selected\u003e100% — 2025–26 tax year onward (from 1 April 2025)\u003c\/option\u003e\n\u003coption value=\"80\"\u003e80% — 2024–25 tax year\u003c\/option\u003e\n\u003coption value=\"50\"\u003e50% — 2023–24 tax year\u003c\/option\u003e\u003c\/select\u003e\u003cp class=\"hint\"\u003eInterest deductibility was phased back in and is fully restored from 1 April 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-rates\"\u003eRates (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-rates\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"3400\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-insurance\"\u003eInsurance (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-insurance\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"1800\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-pm\"\u003eProperty management fees (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-pm\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"2700\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-rit-repairs\"\u003eRepairs \u0026amp; maintenance (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-repairs\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"2000\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"full\"\u003e\n\u003clabel for=\"kc-rit-otherexp\"\u003eOther deductible costs — accounting, body corp, Healthy Homes compliance, letting fees (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-rit-otherexp\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"1200\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"results\"\u003e\n\u003cdiv class=\"stat\" id=\"kc-rit-profit-box\"\u003e\n\u003cb\u003eRental profit \/ (loss)\u003c\/b\u003e\u003cspan id=\"kc-rit-profit\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-rit-tax-box\"\u003e\n\u003cb\u003eTax on rental profit\u003c\/b\u003e\u003cspan id=\"kc-rit-tax\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-rit-marginal-box\"\u003e\n\u003cb\u003eMarginal rate applied\u003c\/b\u003e\u003cspan id=\"kc-rit-marginal\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-rit-net-box\"\u003e\n\u003cb\u003eRental cash after tax\u003c\/b\u003e\u003cspan id=\"kc-rit-net\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"verdict\" id=\"kc-rit-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-rit');var $=function(id){return R.querySelector('#kc-rit-'+id);};\nvar fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\nvar pct=function(n,d){return isFinite(n)?n.toFixed(d==null?2:d)+'%':'—';};var num=function(id){var v=parseFloat(($(id)||{}).value);return isFinite(v)?v:0;};\n\nvar bands=[[15600,0.105],[53500,0.175],[78100,0.30],[180000,0.33],[Infinity,0.39]];\nfunction 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 other=num('income'),rent=num('rent'),intr=num('interest')*parseFloat($('deduct').value)\/100;var exp=intr+num('rates')+num('insurance')+num('pm')+num('repairs')+num('otherexp');var profit=rent-exp;\nvar tax=taxOn(other+Math.max(0,profit))-taxOn(other);var rateTop=0;var lo=0;for(var i=0;i\u003cbands.length;i++){if(other+Math.max(profit,0)\u003elo)rateTop=bands[i][1];lo=bands[i][0];}\nvar cashExp=num('interest')+num('rates')+num('insurance')+num('pm')+num('repairs')+num('otherexp');var net=rent-cashExp-tax;\n$('profit').textContent=(profit\u003c0?'−':'')+fmt(Math.abs(profit));$('profit-box').className='stat'+(profit\u003c0?' neg':'');$('tax').textContent=fmt(tax);$('marginal').textContent=pct(rateTop*100,1);$('net').textContent=(net\u003c0?'−':'')+fmt(Math.abs(net));$('net-box').className='stat'+(net\u003c0?' neg':'');\nvar v=profit\u003e=0?'Your rental makes a taxable profit of about \u003cstrong\u003e'+fmt(profit)+'\u003c\/strong\u003e, adding roughly \u003cstrong\u003e'+fmt(tax)+'\u003c\/strong\u003e to your tax bill at a top marginal rate of '+pct(rateTop*100,1)+'. Put that aside — IRD will want it via your IR3 return (with the IR3R rental schedule), and provisional tax may apply if residual income tax exceeds $5,000.':'Your rental makes a tax \u003cstrong\u003eloss\u003c\/strong\u003e of about \u003cstrong\u003e'+fmt(-profit)+'\u003c\/strong\u003e. Residential rental losses are ring-fenced: they can\\'t offset your salary, but carry forward against future rental income.';\n$('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\u003eWant the IR3R conversation to take five minutes?\u003c\/strong\u003e\u003cbr\u003eThe NZ Landlord Compliance Kit codes every expense to IR3R-aligned categories and totals them by property and tax year — plus Healthy Homes, bond and inspection registers. NZ$99.\u003cbr\u003e\u003ca class=\"btn\" href=\"\/products\/nz-landlord-compliance-kit\"\u003eSee the Landlord Compliance Kit — NZ$99\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 rental income is taxed in NZ\u003c\/h2\u003e\n\u003cp\u003eRental profit (rent minus deductible expenses) is added to your other income and taxed at your marginal rate — there's no separate landlord tax rate. You declare it on your IR3 return with the IR3R rental income schedule. Deductible costs include mortgage interest (100% from 1 April 2025), rates, insurance, property management, repairs and maintenance (not improvements), accounting fees, letting fees, body corporate levies, and depreciation on chattels. The building itself isn't depreciable.\u003c\/p\u003e\n\u003ch2\u003eRing-fencing and provisional tax\u003c\/h2\u003e\n\u003cp\u003eIf expenses exceed rent, the loss is \u003cem\u003ering-fenced\u003c\/em\u003e — it can't reduce tax on your salary, but carries forward to offset future residential rental income. If the rental pushes your residual income tax above $5,000, you'll be pulled into provisional tax the following year. Keep a monthly record of every expense category so the year-end conversation with your accountant is short.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eTax bands\u003c\/td\u003e\n\u003ctd\u003e2025–26 personal income tax thresholds: $15,600 \/ $53,500 \/ $78,100 \/ $180,000 — ird.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest\u003c\/td\u003e\n\u003ctd\u003eDeductible share per the year selected (100% from 1 April 2025).\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLosses\u003c\/td\u003e\n\u003ctd\u003eShown as ring-fenced (no refund against other income) — residential rental loss ring-fencing rules, ird.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNot included\u003c\/td\u003e\n\u003ctd\u003eACC earner levy, depreciation, provisional tax timing, bright-line property sales.\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 you pay on rental income in NZ?\u003c\/h3\u003e\n\u003cp\u003eRental profit is taxed at your personal marginal rate: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above that (2025–26 bands). The rental profit sits on top of your other income, so most working landlords pay 30–39% on it.\u003c\/p\u003e\n\u003ch3\u003eCan I claim mortgage interest on a rental property in NZ?\u003c\/h3\u003e\n\u003cp\u003eYes. From 1 April 2025 residential rental mortgage interest is 100% deductible again. It was 80% deductible in the 2024–25 year and 50% in 2023–24 after the earlier phase-out.\u003c\/p\u003e\n\u003ch3\u003eWhat expenses can I claim on a rental property in NZ?\u003c\/h3\u003e\n\u003cp\u003eRates, insurance, mortgage interest, property management fees, repairs and maintenance, accounting and legal fees for the tenancy, letting and advertising fees, body corporate levies, Healthy Homes compliance costs that are repairs (not capital improvements), travel to inspect, and depreciation on chattels. Capital improvements and the purchase costs are not deductible.\u003c\/p\u003e\n\u003ch3\u003eIs this a tax return?\u003c\/h3\u003e\n\u003cp\u003eNo — it's an estimate for planning. Your accountant or the IRD IR3\/IR3R forms determine the actual figure. Depreciation, mixed-use rules, and the bright-line test for sales are not included here.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much tax do you pay on rental income in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Rental profit is taxed at your personal marginal rate: 10.5% up to $15,600, 17.5% to $53,500, 30% to $78,100, 33% to $180,000 and 39% above that (2025–26 bands). The rental profit sits on top of your other income, so most working landlords pay 30–39% on it.\"}}, {\"@type\": \"Question\", \"name\": \"Can I claim mortgage interest on a rental property in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. From 1 April 2025 residential rental mortgage interest is 100% deductible again. It was 80% deductible in the 2024–25 year and 50% in 2023–24 after the earlier phase-out.\"}}, {\"@type\": \"Question\", \"name\": \"What expenses can I claim on a rental property in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Rates, insurance, mortgage interest, property management fees, repairs and maintenance, accounting and legal fees for the tenancy, letting and advertising fees, body corporate levies, Healthy Homes compliance costs that are repairs (not capital improvements), travel to inspect, and depreciation on chattels. Capital improvements and the purchase costs are not deductible.\"}}, {\"@type\": \"Question\", \"name\": \"Is this a tax return?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No — it's an estimate for planning. Your accountant or the IRD IR3\/IR3R forms determine the actual figure. Depreciation, mixed-use rules, and the bright-line test for sales are not included here.\"}}]}\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\/investment-property-calculator-nz\"\u003eInvestment property calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-rental-yield-calculator\"\u003eRental yield calculator NZ\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\/healthy-homes-standards-landlord-checklist-nz\"\u003eHealthy Homes Standards checklist\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\n","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\/rental-income-tax-calculator-nz.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}