Learning Center

Master borrowing capacity calculations. Learn how banks assess income, DTI ratios, stress testing, debt impact, and strategies to maximize borrowing power.

Complete NZ first home buyer guide. Learn deposits, LVR, KiwiSaver HomeStart grants, borrowing capacity, costs, and step-by-step purchase process.

Master New Zealand's retirement savings scheme with details on contribution rates, employer matching, investment strategies, and withdrawal rules.

Understand Goods and Services Tax in New Zealand including registration requirements, calculating GST on sales and purchases, and filing returns.

Master New Zealand's Pay As You Earn system including tax codes, income thresholds, ACC levies, and understanding your payslip deductions.

Navigate home loans in New Zealand with guidance on understanding interest rates, LVR requirements, and choosing the right mortgage structure.

Demystify FIF tax rules for overseas investments with details on the five calculation methods and when to use each approach.

Learn how to measure how efficiently your business uses its assets to generate revenue and compare performance against industry benchmarks.

Master Compound Annual Growth Rate to measure investment performance and business growth over time with smoothed, annualized returns.

Understand the Capital Asset Pricing Model to calculate expected returns on investments based on systematic risk, beta, and market conditions.

Learn how to evaluate investment projects using Discounted Payback Period, accounting for time value of money in capital budgeting decisions.

Master your Debt-to-Income ratio to improve mortgage approval odds, understand lending limits, and make better borrowing decisions.

Learn to calculate and analyze EBIT to measure operational profitability independent of financing and tax structures.

Understand EBITDA to assess cash-generating ability, compare capital-intensive companies, and support business valuations.

Master EBT calculations to analyze pre-tax profitability, understand financing impact, and compare international performance.

Build financial security by creating an emergency fund to protect against job loss, medical expenses, and unexpected costs.

Calculate how regular savings grow over time with compound interest for retirement, education funds, and long-term goals.

Master gross margin calculations to measure product profitability, optimize pricing strategies, and improve business performance.

Learn to calculate and use IRR to evaluate investments, compare projects, and make better capital budgeting decisions.

Master mortgage calculations, understand interest costs, compare loan terms, and make smart home buying decisions for NZ property.

Master LVR calculations, understand RBNZ restrictions, deposit requirements, LEP/LMI costs, and strategies for optimal mortgage positioning.

Master guide integrating 12 mortgage concepts: repayments, break fees, refinancing, term comparison, rates, budgeting, milestones, and property valuation.

Calculate NPV to evaluate projects, understand time value of money, and make capital budgeting decisions with confidence.

Value lottery winnings, pension offers, and payment streams by calculating what future regular payments are worth today.

Master PED to optimize pricing, forecast demand changes, maximize revenue, and understand consumer price sensitivity.

Learn PES to understand producer responsiveness, analyze supply constraints, and predict market dynamics.

Calculate and improve profit margins, understand margin vs markup, optimize pricing, and maximize profitability.

Master NZ real estate commission: tiered structures, agency comparisons, negotiation strategies, and how to save thousands when selling property.

Learn to calculate and use ROI to evaluate investments, compare opportunities, and measure investment performance across stocks, property, and business ventures.

Master WACC for capital structure decisions, project evaluation, DCF valuation, and understanding the true cost of financing business operations.

Learn to calculate YTM, evaluate bonds, understand the relationship between bond prices and interest rates, and build bond portfolios.

Master Australian GST calculations, registration requirements, BAS reporting, exemptions, and ATO compliance for businesses operating in Australia.

Understand NZ capital gains tax rules, bright-line test, intention test, and tax obligations on property, shares, and cryptocurrency investments.

Master DSR for investment properties. Learn NOI calculations, debt servicing, bank requirements, and strategies for positive cashflow rental investments.

Learn ESCT rates, calculations, and compliance for employer KiwiSaver and superannuation contributions. Essential for payroll and HR teams.

Learn the FIF Cost Method for newly acquired foreign investments. Calculate FIF income from cost base in first year before switching to CV or FDR.

Master the FIF Comparative Value Method for tracking actual investment performance. Calculate tax on market value changes plus distributions, claim losses.

Understand the FIF Deemed Rate of Return Method for taxing distributions only. Simple method ignoring capital gains, best for moderate dividend stocks.

Master the most popular FIF method. Simple 5% deemed income calculation caps tax in bull markets. Learn when to switch between FDR and CV methods.

Understand NZ income tax rates, brackets, PAYE, marginal vs effective rates. Learn tax planning strategies and how to minimize tax legally.

Master NZ student loan repayments, understand interest-free conditions, calculate obligations, and learn strategies to pay off your loan faster.

Calculate retirement savings growth through compound interest. Understand contribution strategies, fund choices, and plan for financial independence.

Learn to calculate and project year-to-date earnings, understand NZ financial year dates, track income progress, and plan finances effectively.