Tax-grade records for NZ landlords.
ClearHold turns messy receipts, bank statements and property records into one clean, accountant-ready IR3R pack — with the bright-line, chattel depreciation, interest and ring-fenced loss work kept straight per property, year after year.
Coming soon
Join the waitlist
No card. No spam. We'll email you when public sign-ups open.
General information to support your accountant — not personalised tax advice. Confirm your position with a registered tax agent before filing.
chattels.csv
Chattel depreciation
transactions.csv
Categorised ledger
IR3R · Tax year 2026
77 Aro Street, Wellington
Apr 2025 → Mar 2026
- Rental income Box 18B
- $28,600
- Mortgage interest Box 21
- −$24,600
- Rates + insurance Box 19–20
- −$3,840
- Chattel depreciation Box 23
- −$2,100
Net loss · ring-fenced
Carries forward to next tax year.
−$1,940
IR3R-ready
PDF →receipts/
plumber.pdf · rates-q1.pdf · insurance-renewal.pdf · 14 more…
One zip. IR3R PDF, categorised transactions, chattel schedule, ring-fenced loss summary, and every receipt you've attached.
Your portfolio, held clear.
Bright-line, notional gains, rent vs expense — every property on one calm page. No spreadsheets, no surprises.
Founding 50
0 of 50 lifetime seats claimed.
Tier 1 open — NZ$149 lifetime.
Doing your own rental tax is a second job you didn't apply for.
The March scramble
Year-end hits and you're reconstructing 12 months of rent deposits, rates, repairs and insurance from bank statements. Half your deductions vanish in the noise.
The accountant bill
NZ$400–$800 per property to an accountant to sort out what you already know — and they still email you for more receipts.
The bright-line lottery
Sell a property 11 months early and you owe tax on the gain. The rules changed again last year. You never actually know where you stand.
Property-first, not sole-trader-with-a-spare-room.
Most tax apps treat rental income as a line on a personal ledger. ClearHold treats every property as its own asset — with acquisition cost, loans, chattels, bright-line clock, repairs history, and ring-fenced losses.
One property or three: your dashboard shows every bright-line status at a glance, the notional gain if you sold today, and which property contributed what to your tax position.
- ✓ Bright-line rule applied per property (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 routed to the right IR3R box — no guesswork about where interest lands
Akahu
Akahu is NZ's open finance platform, supported by every major NZ bank:
Connection is read-only — ClearHold never moves money.
Bank names are trade marks of their respective owners, shown for reference only.
Connect your bank once. Categorisation handles itself.
ClearHold connects via Akahu, New Zealand's open-banking platform. Link your rental account once — transactions flow in automatically and sort themselves into IR3R categories: rates, insurance, mortgage interest, repairs, property management, legal.
Review anything it's unsure about. Teach it once — the rule sticks. Next month the same deposit gets the same treatment automatically.
23
NZ banks supported
10
IR3R expense categories
Everything you already wanted from a rental tax app.
Bright-line tracking
Auto-applies the right rule based on purchase date, new-build status, and sale date. One glance tells you where you stand.
Chattel depreciation
16 IRD-sourced presets (oven, heat pump, carpet, curtains…). Days-based pro-rata. Disposals handled. Depreciation claim calculated, not guessed.
Accountant-ready IR3R pack
One-click PDF with every field mapped to its IR3R box number plus the workpapers behind it. Hand it straight to your accountant, or self-file through myIR with the evidence already in order.
Up and running in minutes.
Most landlords are categorising their first deposits on day one. No migration dance, no accountant onboarding meeting.
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01
Sign up
14-day free trial. No card required. Email + password, or sign in with Google.
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02
Add your first property
Address autocomplete + Street View photo. Purchase date and price sets the bright-line clock automatically.
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03
Connect your bank
Read-only via Akahu. Every major NZ bank. Transactions flow in and sort themselves into IR3R categories.
Rental tax, off your desk.
So March stops being something you dread. Weekends back, every figure traceable, one accountant-ready pack when it's time to file.
Already using something? Here's how ClearHold compares.
ClearHold is NZ landlord tax preparation software. It isn't trying to be a tenancy tool, a sole-trader tax app, or a full accounting package — those do different jobs. Here's the honest picture.
Tenancy tools help you manage the rental. ClearHold helps you prepare the tax outcome.
Solo
Sole-trader tax app. Great if rental is a side thing next to your salary or freelancing.
Tenancy tools
Rental operations. TenancyIQ, Palace, Property Tree — built for notices, inspections, bond, rent collection.
Xero + accountant
Full bookkeeping. Powerful and flexible, but built for businesses — and the accountant's bill isn't small.
ClearHold
Landlord tax prep. One accountant-ready IR3R pack per property per year, with the evidence already in order.
| Solo | Tenancy tools | Xero + accountant | Spreadsheet | ClearHold | |
|---|---|---|---|---|---|
| Core job | Personal tax cockpit | Tenancy operations | General bookkeeping | Whatever you make it | Landlord tax prep |
| Built for | Sole traders / freelancers | Property managers & landlords running the tenancy | Businesses + their accountant | Self-managing landlords with discipline | NZ landlords with 1–3 long-term rentals |
| Bright-line clock | Blog article | Not their job | Your accountant tracks it | Depends on your spreadsheet | Built in — every property, every rule change |
| Chattel depreciation | Generic asset dropdown | Not their job | Manual schedule in a workpaper | Manual | 16 IRD presets + auto proration |
| Ring-fenced losses | Not tracked | Not their job | Accountant tracks manually | Manual | Per-property carryforward, year after year |
| Bank sync | ✓ | For rent receipting | ✓ (Xero) | Copy-paste CSV | Akahu read-only, every major NZ bank |
| Tenant notices, inspections, bond | — | ✓ | — | — | Deliberately out of scope |
| IR3R output | Figures to copy in | — | Accountant files | You reconstruct it | Accountant-ready IR3R pack |
| Annual cost (one property) | ~$150/yr + GST | $20–40/mo + ancillary fees | $35–125/mo + $400–800/yr accountant | Free + your weekends | $179/yr incl GST, Akahu bundled |
ClearHold pairs happily with a tenancy tool (they run the lease, we prep the tax) 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.
In friend trial. Real quotes land before launch.
We're running ClearHold with a small cohort of NZ landlord friends before public launch. Their feedback replaces these placeholders when Phase 1 opens.
"A specific, honest quote about hours saved, deductions found, or how much easier March felt. Lands here after Phase -1."
Friend-trial participant
NZ landlord · Phase -1, May 2026
"A specific, honest quote about hours saved, deductions found, or how much easier March felt. Lands here after Phase -1."
Friend-trial participant
NZ landlord · Phase -1, May 2026
"A specific, honest quote about hours saved, deductions found, or how much easier March felt. Lands here after Phase -1."
Friend-trial participant
NZ landlord · Phase -1, May 2026
Simple pricing. All GST-inclusive.
14-day free trial. No card required. Add a plan when you're ready.
Core
NZ$179/yr
Incl GST. Renews annually.
- Up to 3 properties
- Akahu bank sync included
- Full IR3R export + chattel schedules
- Cancel anytime
Founding 50
NZ$149 lifetime
First 25 seats. Tier 2 (NZ$199) opens after.
- Everything in Core
- Lifetime access — no renewals
- Akahu add-on at founder rate (NZ$7/mo or NZ$65/yr)
- Direct line to the founder for feedback
Everything you need. Nothing you don't.
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Bank sync via Akahu
23 NZ banks, read-only. Connect once.
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Property-first data model
Every house is its own tax file — not a line in a personal ledger.
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Bright-line tracking
5-year, 10-year and new-build rules applied per property.
-
Chattel depreciation
16 IRD presets. Days-based pro-rata. Disposals handled.
-
Mortgage interest deductibility
Phased rules applied automatically, tax year by tax year.
-
Ring-fenced losses
Carried forward within the rental — never silently offset.
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IR3R-ready PDF export
Every field mapped to its IRD box number. File yourself or hand to an accountant.
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Tax-year summaries
Per property and portfolio — with warnings for unapproved transactions.
Deliberately not included: invoicing, GST, ACC, PAYE. ClearHold is a landlord app, not a sole-trader app.
Questions we get asked a lot.
Is this tax advice? ▾
No. ClearHold is a record-keeping tool — it sorts your rental transactions into IRD categories and produces a clean workbook your accountant can review and file. 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 three properties? ▾
ClearHold's current plan caps at three. Most NZ "mum and dad" landlords own one or two — that's who this is built for. If you own more, email hello@clearhold.nz and we'll talk about where we're going next.
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 NZ's open-banking platform. You authorise read-only access to your rental account(s). ClearHold pulls transactions and categorises them — it never moves money. Akahu is included in the Core plan.
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).
Coming soon
Be first in when public sign-ups open.
We're finishing a small friend-trial cohort first. Drop your email below 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.