{"title":"Term Deposit Calculator NZ — Interest After RWT and Inflation","description":"\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-td\"\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\"\u003eSee what an NZ term deposit really pays: gross interest, resident withholding tax (RWT) at your rate, net interest, the value at maturity, and the real return after inflation. Compare \"interest at maturity\" with compounding options.\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-td-amount\"\u003eDeposit amount (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-td-amount\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1000\" value=\"50000\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-td-rate\"\u003eInterest rate (% p.a.)\u003c\/label\u003e\u003cinput id=\"kc-td-rate\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.05\" value=\"4.5\"\u003e\u003cp class=\"hint\"\u003eUse the advertised rate for your term and amount.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-td-months\"\u003eTerm (months)\u003c\/label\u003e\u003cinput id=\"kc-td-months\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"12\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-td-comp\"\u003eInterest paid\u003c\/label\u003e\u003cselect id=\"kc-td-comp\"\u003e\u003coption value=\"0\" selected\u003eAt maturity (simple interest)\u003c\/option\u003e\n\u003coption value=\"12\"\u003eMonthly, compounding\u003c\/option\u003e\n\u003coption value=\"4\"\u003eQuarterly, compounding\u003c\/option\u003e\n\u003coption value=\"1\"\u003eAnnually, compounding\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-td-rwt\"\u003eYour RWT rate\u003c\/label\u003e\u003cselect id=\"kc-td-rwt\"\u003e\u003coption value=\"10.5\"\u003e10.5% — income up to $15,600\u003c\/option\u003e\n\u003coption value=\"17.5\"\u003e17.5% — income to $53,500\u003c\/option\u003e\n\u003coption value=\"30\"\u003e30% — income to $78,100\u003c\/option\u003e\n\u003coption value=\"33\" selected\u003e33% — income to $180,000\u003c\/option\u003e\n\u003coption value=\"39\"\u003e39% — income over $180,000\u003c\/option\u003e\n\u003coption value=\"45\"\u003e45% — no IRD number supplied\u003c\/option\u003e\u003c\/select\u003e\u003cp class=\"hint\"\u003eResident withholding tax is deducted by the bank at the rate you elect; choose the one matching your total income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"full\"\u003e\n\u003clabel for=\"kc-td-inflation\"\u003eInflation assumption (% p.a., for real return)\u003c\/label\u003e\u003cinput id=\"kc-td-inflation\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.1\" value=\"2.5\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"results\"\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-gross-box\"\u003e\n\u003cb\u003eGross interest\u003c\/b\u003e\u003cspan id=\"kc-td-gross\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-rwtv-box\"\u003e\n\u003cb\u003eRWT deducted\u003c\/b\u003e\u003cspan id=\"kc-td-rwtv\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-net-box\"\u003e\n\u003cb\u003eNet interest\u003c\/b\u003e\u003cspan id=\"kc-td-net\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-maturity-box\"\u003e\n\u003cb\u003eValue at maturity (net)\u003c\/b\u003e\u003cspan id=\"kc-td-maturity\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-netrate-box\"\u003e\n\u003cb\u003eNet return p.a.\u003c\/b\u003e\u003cspan id=\"kc-td-netrate\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-td-real-box\"\u003e\n\u003cb\u003eReal return p.a. after inflation\u003c\/b\u003e\u003cspan id=\"kc-td-real\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"verdict\" id=\"kc-td-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-td');var $=function(id){return R.querySelector('#kc-td-'+id);};\nvar fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\nvar pct=function(n,d){return isFinite(n)?n.toFixed(d==null?2:d)+'%':'—';};var num=function(id){var v=parseFloat(($(id)||{}).value);return isFinite(v)?v:0;};\n\nfunction calc(){var P=num('amount'),r=num('rate')\/100,m=Math.max(1,num('months')),n=parseInt($('comp').value),rwt=parseFloat($('rwt').value)\/100,inf=num('inflation')\/100;var yrs=m\/12;\nvar gross=n===0?P*r*yrs:P*(Math.pow(1+r\/n,n*yrs)-1);var tax=gross*rwt;var net=gross-tax;var netRate=yrs\u003e0?net\/P\/yrs*100:0;var real=((1+netRate\/100)\/(1+inf)-1)*100;\n$('gross').textContent=fmt(gross);$('rwtv').textContent=fmt(tax);$('net').textContent=fmt(net);$('maturity').textContent=fmt(P+net);$('netrate').textContent=pct(netRate,2);$('real').textContent=pct(real,2);$('real-box').className='stat'+(real\u003c0?' neg':'');\n$('verdict').innerHTML='A \u003cstrong\u003e'+fmt(P)+'\u003c\/strong\u003e term deposit at '+pct(r*100,2)+' for '+m+' months earns about \u003cstrong\u003e'+fmt(gross)+'\u003c\/strong\u003e before tax and \u003cstrong\u003e'+fmt(net)+'\u003c\/strong\u003e after RWT at '+pct(rwt*100,1)+'. '+(real\u003c0?'After '+pct(inf*100,1)+' inflation your money is \u003cstrong\u003elosing purchasing power\u003c\/strong\u003e — the real return is negative.':'After '+pct(inf*100,1)+' inflation the real return is about '+pct(real,2)+' a year.');}\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\u003eGross vs net — the number banks don't headline\u003c\/h2\u003e\n\u003cp\u003eThe advertised rate is before tax. Banks deduct resident withholding tax at the rate you nominate (it should match your income tax rate), so a 4.5% deposit is worth about 3.0% to someone on the 33% rate. Then inflation takes its cut. That's why a term deposit is capital-safe but not always wealth-building — run the real-return line before you lock money away for two or three years.\u003c\/p\u003e\n\u003ch2\u003eInterest at maturity vs compounding\u003c\/h2\u003e\n\u003cp\u003eShorter deposits usually pay interest at maturity; longer ones often let you take interest monthly or quarterly, or compound it. Compounding helps a little over one year and more over several. If you're comparing banks, compare the net figure over the same term — and remember that breaking a term deposit early usually costs you most of the interest.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest\u003c\/td\u003e\n\u003ctd\u003eSimple interest for 'at maturity'; otherwise compound at the selected frequency for the term.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRWT\u003c\/td\u003e\n\u003ctd\u003eDeducted from gross interest at the elected rate (10.5\/17.5\/30\/33\/39%; 45% no-declaration) — ird.govt.nz\/rwt\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal return\u003c\/td\u003e\n\u003ctd\u003e(1 + net rate) ÷ (1 + inflation) − 1; inflation is your assumption, not a forecast.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNot included\u003c\/td\u003e\n\u003ctd\u003eBreak fees, PIE fund tax treatment, bonus-rate conditions.\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\u003eWhich NZ bank has the highest term deposit rates?\u003c\/h3\u003e\n\u003cp\u003eRates change weekly and differ by term and amount. Compare on interest.co.nz or the banks' own pages, then run the net figure here — a slightly higher rate at a bank that only pays at maturity can lose to a compounding option elsewhere.\u003c\/p\u003e\n\u003ch3\u003eHow much interest will $100,000 earn in a year?\u003c\/h3\u003e\n\u003cp\u003eAt 4.5% paid at maturity, $4,500 gross; after RWT at 33% that is $3,015, or about $58 a week. Change the amount and rate above for your own figures.\u003c\/p\u003e\n\u003ch3\u003eDo I pay tax on term deposit interest in NZ?\u003c\/h3\u003e\n\u003cp\u003eYes — the bank deducts resident withholding tax before paying you. If you have not given the bank your IRD number, RWT is deducted at 45%. Interest still counts toward your total income for the year.\u003c\/p\u003e\n\u003ch3\u003eWhat is a good term deposit rate in NZ right now?\u003c\/h3\u003e\n\u003cp\u003eIt depends on the OCR and how far you fix. Rather than chasing the top rate, check the net return after RWT and inflation, and keep an emergency fund in an on-call account so you never have to break a term deposit early.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Which NZ bank has the highest term deposit rates?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Rates change weekly and differ by term and amount. Compare on interest.co.nz or the banks' own pages, then run the net figure here — a slightly higher rate at a bank that only pays at maturity can lose to a compounding option elsewhere.\"}}, {\"@type\": \"Question\", \"name\": \"How much interest will $100,000 earn in a year?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"At 4.5% paid at maturity, $4,500 gross; after RWT at 33% that is $3,015, or about $58 a week. Change the amount and rate above for your own figures.\"}}, {\"@type\": \"Question\", \"name\": \"Do I pay tax on term deposit interest in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes — the bank deducts resident withholding tax before paying you. If you have not given the bank your IRD number, RWT is deducted at 45%. Interest still counts toward your total income for the year.\"}}, {\"@type\": \"Question\", \"name\": \"What is a good term deposit rate in NZ right now?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on the OCR and how far you fix. Rather than chasing the top rate, check the net return after RWT and inflation, and keep an emergency fund in an on-call account so you never have to break a term deposit early.\"}}]}\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\/nz-compound-growth-calculator\"\u003eInvestment \u0026amp; savings (compound growth) calculator\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\/income-tax-calculator-nz\"\u003eIncome tax calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/compound-interest-calculator-nz-guide\"\u003eHow compound interest works in NZ\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\/term-deposit-calculator-nz.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}