Rental tax, off your shoulders.

ClearHold keeps each rental tax-ready all year, then builds your IR3R for you: every figure pulled from your bank feed, every box filled. A straightforward rental comes out a finished return, ready to file. Anything knottier drops into a clean pack for your accountant.

Akahu Read-only bank sync 23 NZ banks
  • Your IR3R filled in for you, box by box, from your bank feed
  • Chattel depreciation built in
  • Year-round visibility, not a March-31 scramble
  • Spot missing rent payments automatically
  • Read-only bank sync via Akahu across Akahu 23 NZ banks
Claim a founder seat

30 days free. Card required to reserve your seat; no charge until day 30.

A landlord relaxed on a sofa in a sunlit New Zealand living room, looking at their ClearHold tax summary on a laptop: the year's rental income and expenses totalled, the net rental result, and a finished IR3R ready to file or hand to an accountant.
The working screen

One property, one tax file.

Income, expenses, loan interest, chattels, bright-line status and the year-end pack live with the rental they belong to.

The ClearHold property page for a St Heliers rental: operating cash for the tax year in the positive, income and expenses, estimated equity, and an on-track progress ring showing everything is caught up.
Every property is its own tax file

Each rental gets its own tax file.

Spreadsheets and small-business apps treat rental income as a line in a ledger. ClearHold starts with the property: purchase details, loans, chattels, repairs history, bright-line clock and ring-fenced losses.

One property or three, the numbers stay attached to the address that created them. That is what makes the year-end pack easier to trust.

  • ✓ Bright-line rule applied per property (2-year, 5-year, 10-year, new build)
  • ✓ Per-property P&L: rent vs expenses, tax year by tax year
  • ✓ Chattel depreciation with 16 IRD-sourced presets, room-by-room
  • ✓ Every transaction categorised against the property that owns it, ready for monthly review or year-end pack
The ClearHold bank-connection screen: choose which accounts to link via Akahu, including the rental income account, a property expenses account, and optionally the mortgage or loan account.
Link the rental's accounts once via Akahu. Income, expenses and loan flow in against the property that owns them.
Akahu Akahu

Akahu is NZ's open finance platform, supported by every major NZ bank:

ANZ ASB BNZ Westpac Kiwibank TSB SBS Co‑op Bank Rabobank Heartland + 13 more

Connection is read-only. ClearHold never moves money.
Bank names are trade marks of their respective owners, shown for reference only.

Bank sync + IRD categories

Transactions land where they belong.

ClearHold connects via Akahu, New Zealand's open-banking platform. Link your rental account once. Rent, rates, insurance, mortgage interest, repairs, property management and legal costs flow into the right rental categories.

Review anything ClearHold is unsure about. Teach it once and the rule sticks for the next month.

23

NZ banks supported

10

rental expense categories

Setup

Up and running in minutes.

Most landlords are categorising their first deposits on day one. No migration dance, no accountant onboarding meeting.

  1. 01

    Sign up

    Email and password, or sign in with Google. Creating an account is free.

  2. 02

    Add your first property

    Address autocomplete and Street View photo. Purchase date and price set the bright-line clock automatically.

  3. 03

    Connect your bank

    Read-only via Akahu. Every major NZ bank. Transactions flow in and categorise themselves against the property they belong to.

Tax time starts with a pack, not a scramble.

Every figure traceable. A finished return at tax time, ready to file or hand to your accountant.

Andy McInnes, founder of ClearHold
From the founder

We kept seeing landlord friends rebuild the year from bank statements, receipts and memory. Most tools were built for businesses, tenancy admin, or tax filing after the fact. ClearHold starts earlier: rent in, expenses out, loan interest, deductions, bright-line status and the accountant pack, all organised around the rental itself.

Andy Founder, ClearHold

Founding 50

Lock in the founder rate.

30 days free, then NZ$14.90/month inc-GST for the first 50 members, or until 31 March 2027, whichever comes first. Stripe collects your card to reserve the seat; your founder rate stays locked while your subscription is active.

NZ$14.90 /mo
Claim a founder seat
Where ClearHold fits

What ClearHold replaces, and what it doesn't.

ClearHold is financial clarity software for NZ landlords. It is not a tenancy tool, a sole-trader app, or a full accounting package. Those do different jobs.

Tenancy tools help you manage the rental. ClearHold shows you where your rentals stand financially, all year.

ClearHold

Landlord financial clarity. Rent, expenses, loans, documents and tax position in one place, all year.

Core job
Landlord financial clarity
Built for
NZ landlords who keep each rental in its own bank account
Bright-line clock
Built in for every property, every rule change
Chattel depreciation
16 IRD presets + auto proration
Ring-fenced losses
Per-property carryforward, year after year
Bank sync
Akahu read-only, every major NZ bank
Tenant notices, inspections, bond
Deliberately out of scope
Year-end tax pack
Accountant-ready IR3R pack
Annual cost (one property)
From NZ$14.90/mo incl GST, Akahu bundled

Solo

Sole-trader finance app. Great if rental is a side thing next to your salary or freelancing.

Core job
Personal tax cockpit
Built for
Sole traders / freelancers
Bright-line clock
Blog article
Chattel depreciation
Generic asset dropdown
Ring-fenced losses
Not tracked
Bank sync
✓
Tenant notices, inspections, bond
No
Year-end tax pack
Figures to copy in
Annual cost (one property)
~$150/yr + GST

Tenancy tools

Rental operations. TenancyIQ, Palace, Property Tree, all built for notices, inspections, bond, rent collection.

Core job
Tenancy operations
Built for
Property managers & landlords running the tenancy
Bright-line clock
Not their job
Chattel depreciation
Not their job
Ring-fenced losses
Not their job
Bank sync
For rent receipting
Tenant notices, inspections, bond
Yes
Year-end tax pack
No
Annual cost (one property)
$20–40/mo + ancillary fees

Xero + accountant

Full bookkeeping. Powerful and flexible, but built for businesses, and the accountant's bill isn't small.

Core job
General bookkeeping
Built for
Businesses + their accountant
Bright-line clock
Your accountant tracks it
Chattel depreciation
Manual schedule in a workpaper
Ring-fenced losses
Accountant tracks manually
Bank sync
✓ (Xero)
Tenant notices, inspections, bond
No
Year-end tax pack
Accountant files
Annual cost (one property)
Xero subscription + your accountant's annual fee

Spreadsheet

Whatever you make it. Free + your weekends.

Core job
Whatever you make it
Built for
Self-managing landlords with discipline
Bright-line clock
Depends on your spreadsheet
Chattel depreciation
Manual
Ring-fenced losses
Manual
Bank sync
Copy-paste CSV
Tenant notices, inspections, bond
No
Year-end tax pack
You reconstruct it
Annual cost (one property)
Free + your weekends

ClearHold pairs happily with a tenancy tool (they run the lease, we hold the finances) and with an accountant (we give them a clean pack so they spend their time reviewing, not reconstructing). What it replaces outright is the spreadsheet.

Simple pricing. All GST-inclusive.

Founding 50 is open now: 30 days free, then NZ$14.90/month. Stripe collects your card to reserve the seat, with no charge until day 30. Each rental needs its own bank account. Core becomes the standard path once founder seats close.

Full refund within 30 days of your first charge, as long as you haven't generated a file-ready accountant pack yet. See our refund policy →

Standard after Founding 50

NZ$24.90/month

Incl GST. Cancel anytime.

  • Each rental needs its own bank account
  • Akahu bank sync bundled
  • Full IR3R export + chattel schedules
  • Available once founder seats close
  • Draft packs during the trial; file-ready packs unlock at your first payment

Founder seats open now

LIMITED

Founder

NZ$14.90/month

30 days free, then NZ$14.90/mo. Stripe collects your card to reserve the seat, with no charge until day 30.

  • Everything in Core, including Akahu bank sync
  • Each rental needs its own bank account
  • Card-backed founder reservation through Stripe; no charge until day 30
  • Founding member badge in your account
  • Direct line to the founder for feedback
Claim a founder seat →
The full footprint

Everything you need. Nothing you don't.

  • Bank sync via Akahu (NZ open banking)

    23 NZ banks, read-only via NZ's new regulated open-banking standard. No password sharing, connect once.

  • Property-first data model

    Every house is its own asset, with its own income, expenses, loans and tax position.

  • Per-property income and expenses

    Rent in, expenses out, and what each property is contributing month by month.

  • Loans and documents

    Track mortgages, interest, statements and key documents alongside the rental that owns them.

  • Bright-line tracking

    2-year, 5-year, 10-year and new-build rules applied per property.

  • Chattel depreciation

    16 IRD presets. Days-based pro-rata. Disposals handled.

  • Ring-fenced losses

    Carried forward within the rental, never silently offset.

  • IR3R-ready PDF export

    Every field mapped to its IRD box number. Built for accountant handoff.

Deliberately not included: tenancy management (use MyRent), invoicing or GST (use Solo or Xero), payroll. ClearHold gives NZ landlords a clear, year-round view of their rental finances without wrestling spreadsheets or waiting until year-end.

Questions we get asked a lot.

Is this tax advice? ▾

No. ClearHold is a rental finance and record-keeping tool. It holds your income, expenses, loans, documents and tax position in one place year-round, and produces a clean accountant pack at year-end. Think of it as the bit that comes before advice. For the advice itself, talk to a NZ accountant or registered tax agent.

What if I own more than one rental? ▾

ClearHold is built for landlords with more than one rental. The simple rule is that each rental needs its own bank account, so rent, expenses and loan payments stay cleanly matched to the right place.

What happens if I cancel? ▾

You keep access until the end of your billing period. Your data stays exportable (CSV + PDF) for 90 days after that. No auto-billing surprises.

How does Akahu bank sync work? ▾

Akahu is the NZ open-banking platform: a regulated read-only API that's only recently gone live for general use. You authorise revocable, read-only access to your rental account(s). No password sharing, no scraping, no credential storage on our side. ClearHold pulls categorised transactions; Akahu never lets us move money. Bundled into Core and the Founding 50 founder rate at no extra cost.

Is my data safe? ▾

Yes. Hosted in a secure Railway container. Encrypted credentials. Bank connection via Akahu is read-only. We don't sell your data or share it beyond the providers required to run the service (hosting, email, bank aggregation).

Founding 50

Get your rental tax off your shoulders.

Founder rate: NZ$14.90/mo with 30 days free, for the first 50 members or until 31 March 2027. Each rental needs its own bank account. Stripe collects your card to reserve the seat; cancel during the trial at no cost.

Claim a founder seat

Prefer to wait for public sign-ups?

Drop your email and we'll let you know when ClearHold opens to everyone.

No card. No spam. We'll only email you when ClearHold opens.

ClearHold is not a substitute for advice from a registered NZ tax agent or accountant.