NZ property tools.
Free calculators and checkers for New Zealand property owners, landlords, and buyers. Built to IRD and NZ regulation rules — no signup needed.
Bright-Line Test Calculator
Check if NZ's bright-line tax applies to a residential property sale. Covers the current 2-year rule and historical 5- and 10-year rules.
Rental Yield Calculator
Gross, net, after-interest, and after-tax yield — with NZ's ring-fencing rule and regional benchmarks built in.
Mortgage Repayment Calculator
Repayments, total interest, payoff time — with extra payments, offset, and a rate-rise stress test built in.
Healthy Homes Compliance Checker
60-second check across the five Healthy Homes Standards. Heating-capacity estimate, fix list, and NZ-typical cost guide.
Chattels Depreciation Estimator
IRD DEP80 rates for heat pumps, carpets, ovens and 20+ other chattels — DV or SL, low-value asset detection, multi-item projection.
This is a guide only, not tax advice. Tax rules change each year and your situation may involve factors not covered here. Consult a registered NZ tax professional or chartered accountant before filing. Zelvo accepts no liability for errors in tax calculations or filings made using this tool.