NZ Rental Income Calculator 2026
Calculate your net rental income after expenses and tax. Includes phased interest deductibility (80% from 1 April 2025, 100% from 1 April 2026), property management fees, rates, insurance, and body corporate costs.
How rental income is taxed
Rental income in New Zealand is taxed at your marginal rate. You can deduct allowable expenses (rates, insurance, repairs, management fees, body corporate). Mortgage interest deductibility is being phased back in — 80% from 1 April 2025, 100% from 1 April 2026. Rental losses are ring-fenced (cannot offset other income) and must be carried forward. There is no depreciation on residential buildings for existing properties but new builds can claim 2% per annum.
NZ Rental Income Calculator 2026 — Landlord Tax & Profit Calculator
Free New Zealand rental income calculator for landlords. Estimate net rental income after rates, insurance, repairs, property management fees, interest deductibility, and income tax.