Track rent, expenses, loans, documents and tax position in one place — so you know how your rentals are performing every month, not just at tax time.
Coming soon
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.
Bright-line, notional gains, rent vs expense, every property on one calm page. No spreadsheets, no surprises.
Founding 50
0 of 50 founding seats claimed.
NZ$14.90/mo with a 30-day free trial. Founder rate locked in.
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.
Your accountant charges per property to sort out what you already know, and they still email you for more receipts.
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.
We got tired of watching landlord friends piece their portfolios together from bank statements, paper receipts, and memory. Most rental software is built for businesses, or for tax — never for the everyday question: where do my rentals stand right now? Tracking rent in, expenses out, what's owed on the loan, what's deductible, what the bright-line clock says — that should be one calm view, available any month, not just March. ClearHold is what happens when you ask NZ landlords and accountants what they actually need, then build it without the jargon.
Sole-trader apps, spreadsheets, and accounting software all treat your rental income as a line in 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.
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.
ClearHold connects via Akahu, New Zealand's open-banking platform. Link your rental account once. Transactions flow in automatically and sort themselves into rental income and expense categories: rates, insurance, mortgage interest, repairs, property management, legal.
Review anything it's unsure about. Teach it once and the rule sticks. Next month the same deposit gets the same treatment automatically.
23
NZ banks supported
10
rental expense categories
Most landlords are categorising their first deposits on day one. No migration dance, no accountant onboarding meeting.
01
14-day free trial. Email + password, or sign in with Google. Stripe collects your card so we can keep billing seamless when the trial ends.
02
Address autocomplete + Street View photo. Purchase date and price sets the bright-line clock automatically.
03
Read-only via Akahu. Every major NZ bank. Transactions flow in and categorise themselves against the property they belong to.
So March stops being something you dread. Weekends back, every figure traceable, one accountant-ready pack when it's time to file.
ClearHold is financial-clarity software for NZ landlords. It isn't a tenancy tool, a sole-trader app, or a full accounting package. Those do different jobs. Here's the honest picture.
Tenancy tools help you manage the rental. ClearHold shows you where your rentals stand — financially, all year.
Solo
Sole-trader finance app. Great if rental is a side thing next to your salary or freelancing.
Tenancy tools
Rental operations. TenancyIQ, Palace, Property Tree, all 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 financial clarity. Rent, expenses, loans, documents and tax position in one place — so you know how your rentals are performing every month, not just at tax time.
| Solo | Tenancy tools | Xero + accountant | Spreadsheet | ClearHold | |
|---|---|---|---|---|---|
| Core job | Personal tax cockpit | Tenancy operations | General bookkeeping | Whatever you make it | Landlord financial clarity |
| 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 for 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 |
| Year-end tax pack | 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 | Xero subscription + your accountant's annual fee | Free + your weekends | 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.
Tenancy tools
Rental operations. TenancyIQ, Palace, Property Tree, all 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.
Spreadsheet
Whatever you make it. Free + your weekends.
ClearHold
Landlord financial clarity. Rent, expenses, loans, documents and tax position in one place — so you know how your rentals are performing every month, not just at tax time.
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.
14-day free trial. Card collected at signup so billing is seamless when the trial ends — cancel anytime during the trial at no cost.
Core
NZ$24.90/month
Incl GST. Cancel anytime.
Founder
NZ$14.90/month
First month free, then NZ$14.90/mo. 50 of 50 seats remaining.
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, what each property is contributing — month by month, not just at year-end.
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.
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.
ClearHold's current plan caps at three. Most NZ "mum and dad" landlords own one or two, and 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.
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.
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.
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
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.
