Every page starting with L
146 pages, in alphabetical order, each with the description it carries. A page filed under its own name rather than a prefix: a suburb page sorts by the suburb, and a title beginning with NZ sorts by the word after it.
Nothing on this letter matches that. Try the full A to Z.
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Labour Cost Percentage Calculator NZ 2026
Labour cost as a share of revenue, including employer KiwiSaver and ACC, against your target, with revenue per labour dollar. NZ.
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Housing in Ladbrooks
What housing costs in Ladbrooks, Selwyn District: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Laingholm
What housing costs in Laingholm, Auckland: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Laird Park
What housing costs in Laird Park, Whanganui District: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Brunner
What housing costs in Lake Brunner, Grey District: median weekly rent $200, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Cameron
What housing costs in Lake Cameron, Waipa District: median weekly rent $450, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Hayes
What housing costs in Lake Hayes, Queenstown-Lakes District: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Hayes Estate
What housing costs in Lake Hayes Estate, Queenstown-Lakes District: median weekly rent $710, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Hāwea
What housing costs in Lake Hāwea, Queenstown-Lakes District: median weekly rent $526, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Manuwai-Kapiro
What housing costs in Lake Manuwai-Kapiro, Far North District: median weekly rent $430, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Ngaroto
What housing costs in Lake Ngaroto, Waipa District: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lake Taupō Bays
What housing costs in Lake Taupō Bays, Taupo District: median weekly rent $240, the ownership and renting split, and household income, from the 2023 Census.
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Lambing Percentage Calculator NZ
Work out lambing percentage on every denominator in common use: docked and weaned lambs against ewes to the ram, ewes wintered and ewes lambing.
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Land Covenant and Easement Cost Calculator NZ
Estimate the cost of creating, varying or dealing with a land covenant or easement in New Zealand, including legal, survey, LINZ registration and any compensation.
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Land Holding Cost Calculator NZ
Work out the cost of holding bare land in New Zealand before you build, including loan interest, council rates and other yearly costs, over the years you hold it.
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Landlord Entry Rights NZ
When a landlord may enter in NZ: 48 hours for inspections, 24 for repairs, and why open homes need your permission rather than notice. Plus quiet enjoyment.
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NZ Landlord Insurance Calculator 2026
Estimate cover for tenant damage, loss of rent, meth contamination and the building, at 2026 NZ premium levels. Free estimator.
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Landscaping Cost Calculator NZ 2026
Choose a package level, enter the area and add hard landscaping and a contingency for a realistic total and price per m2. NZ.
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Housing in Lansdowne East
What housing costs in Lansdowne East, Masterton District: median weekly rent $390, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lansdowne West
What housing costs in Lansdowne West, Masterton District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
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Large Number Calculator
Add, subtract and multiply arbitrarily large integers that exceed JavaScript's safe number limit.
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Late Payment Cost Calculator NZ 2026
What late payment costs a sole trader: working capital tied up, the financing cost of the delay, and tax reserved on unpaid money. NZ.
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Late Settlement Interest Calculator NZ
Late settlement runs default interest daily. What each day costs, who pays, and why late vendors and purchasers are treated differently.
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Latent Heat Calculator
Calculate latent heat for phase changes. Returns heat energy in joules and kilojoules for vaporisation, condensation, melting, and freezing of any mass.
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Law of Cosines Calculator
Solve triangles using the law of cosines. Enter sides a, b and angle C (SAS) or all three sides (SSS) to find the unknown side, all angles and the triangle area.
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Law of Sines & Cosines Calculator NZ
Solve a triangle using the law of cosines and law of sines. Enter two sides and the included angle to find the third side, the other angles and the area.
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Law of Sines Calculator
Apply the law of sines to solve oblique triangles. Enter two angles and a side (AAS or ASA) to find all missing sides, angles, area and the circumradius.
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Lawn Care Cost Calculator NZ
Compare doing your own lawn care against a contractor over a season in New Zealand. Weigh mower running costs and your time against the price of a regular mowing service.
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Lawn Seed Quantity Calculator NZ
Enter your lawn area and grass type for the exact seed quantity in kilograms, including a wastage buffer. Built for NZ lawns.
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Layby Payment Calculator NZ
Work out your layby payments in New Zealand from the price, deposit and number of payments, and see the payment amount and how long until it is paid off.
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LC Resonant Frequency Calculator NZ
Calculate the resonant frequency of an LC circuit from the inductance and capacitance. Find the resonance used in radios, oscillators and tuned filters.
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Housing in Leabank
What housing costs in Leabank, Auckland: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
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Lead to Customer Conversion Rate Calculator
Calculate your lead to customer conversion rate by dividing customers won by total leads. Measure how effectively your sales and marketing funnel converts.
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Lead Velocity Rate Calculator
Work out your lead velocity rate from last month and this month's qualified leads. See the month on month growth percentage that signals future revenue.
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Housing in Leamington Central
What housing costs in Leamington Central, Waipa District: median weekly rent $500, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Leamington East
What housing costs in Leamington East, Waipa District: median weekly rent $520, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Leamington South
What housing costs in Leamington South, Waipa District: median weekly rent $485, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Leamington West
What housing costs in Leamington West, Waipa District: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
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Lean Body Mass Calculator NZ
Estimate your lean body mass and fat mass from your weight, height and sex using the Boer formula. See your LBM in kilograms and your body fat mass and percentage.
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Learning Centre
Master KiwiSaver, GST, PAYE, mortgages, consumer rights, scam awareness and more with interactive quizzes and real-world NZ examples.
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Learning Pathways
Follow a guided pathway through the money decisions of a first home, a first job, going contracting, retirement and more. Free, ordered, and built for New Zealand.
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Lease Office vs Work From Home Calculator
Compare the annual cost of leasing an office against supporting a team to work from home in New Zealand, including rent, outgoings, home-office stipends and equipment.
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Lease vs Buy a Car Calculator NZ
Lease payments against finance costs, depreciation and resale value: the true cost of leasing against buying a car in New Zealand.
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Leasehold Property Explained
What leasehold means in NZ: you own the building but lease the land and pay ground rent. How rent reviews, lease terms and resale risk work before you buy leasehold.
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Leave and pay entitlements questions, answered
Annual leave, sick leave and public holidays, parental leave, redundancy and notice, trial periods and how each is paid.
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Leave Compensation Payment 12.5% Calculator NZ
Work out the proposed 12.5% leave compensation payment on casual and additional hours, and see why it is higher than the 8% holiday pay it replaces.
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NZ Leave Entitlements 2026
New Zealand minimum leave entitlements under the Holidays Act: 4 weeks annual leave, 10 days sick leave, bereavement, family violence and parental leave.
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Leaving NZ Tax Refund Calculator
Leaving New Zealand part way through the tax year? Estimate the PAYE tax refund you may be owed because your income was taxed as if you earned at that rate all year.
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Leaving PAYE Mid-Year Tax Calculator NZ 2026
Leave salaried work mid-year: the IRD square-up, the separate ACC invoice, and whether you become a provisional taxpayer. Free NZ tool.
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LED Array Resistor Calculator
Free LED array calculator. Enter the supply voltage, LED forward voltage, number of LEDs in series and the current to get the series resistor and its power.
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LED Resistor Calculator
Calculate the series resistor for an LED from supply voltage, LED forward voltage and desired current.
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Housing in Leeston
What housing costs in Leeston, Selwyn District: median weekly rent $410, the ownership and renting split, and household income, from the 2023 Census.
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Legal and Other Services: what NZ households spend per week
What New Zealand households spend on legal and other services each week, from the Stats NZ Household Economic Survey 2023, with every survey year since 2007 and what the...
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Length Converter
Free length converter. Convert between millimetres, centimetres, metres, kilometres, inches, feet, yards, miles and nautical miles instantly.
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Lens and Mirror Equation Calculator
Solve 1/f = 1/do + 1/di for any unknown. Returns image distance, focal length, magnification, image type (real or virtual) and orientation for lenses and mirrors.
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Housing in Lepperton-Brixton
What housing costs in Lepperton-Brixton, New Plymouth District: median weekly rent $396, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Levels
What housing costs in Levels, Timaru District: median weekly rent $270, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Levels Valley
What housing costs in Levels Valley, Timaru District: median weekly rent $300, the ownership and renting split, and household income, from the 2023 Census.
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Leverage - When Borrowing Multiplies Outcomes
How leverage amplifies gains and losses: a property example, share margin risk, when it turns dangerous, and a risk checklist. NZ.
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Housing in Levin Central
What housing costs in Levin Central, Horowhenua District: median weekly rent $290, the ownership and renting split, and household income, from the 2023 Census.
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NZ Life Expectancy Tables
New Zealand life expectancy at birth and at age 65, by gender, from Stats NZ period and cohort life tables. Useful for retirement and drawdown planning.
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Life Insurance Explained
How life insurance works in New Zealand: who needs it, how much cover to take, term versus whole of life, stepped versus level premiums, and how to buy well.
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NZ Life Insurance Needs Calculator 2026
Free NZ life insurance calculator. Work out exactly how much life cover you need based on mortgage, debts, dependents, income replacement, education costs, and funeral...
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Lifestyle Block Stocking Calculator NZ
How many sheep or cattle a lifestyle block carries: enter area and rainfall band for a realistic stocking rate and the winter feed gap.
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Housing in Lilybrook
What housing costs in Lilybrook, Waimakariri District: median weekly rent $386, the ownership and renting split, and household income, from the 2023 Census.
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Limit Calculator
Estimate the limit of any function as x approaches a value from both sides. Returns the left limit, right limit and two-sided limit with convergence check.
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Limiting Reagent Calculator
Find the limiting reagent in a two reactant reaction by comparing moles divided by coefficient. See which reactant runs out first and how much excess remains.
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Housing in Lincoln East
What housing costs in Lincoln East, Selwyn District: median weekly rent $560, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lincoln North
What housing costs in Lincoln North, Selwyn District: median weekly rent $610, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lincoln South
What housing costs in Lincoln South, Selwyn District: median weekly rent $620, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lincoln West
What housing costs in Lincoln West, Selwyn District: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Linden
What housing costs in Linden, Wellington City: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lindis-Nevis Valleys
What housing costs in Lindis-Nevis Valleys, Central Otago District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
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Linear Equation Calculator
Free linear equation calculator. Enter a, b and c to solve ax + b = c for x, with the steps.
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Linear Extrapolation Calculator
Free linear extrapolation calculator. Enter two points and a target x to predict y by extending the straight line through them.
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Linear Interpolation Calculator NZ
Estimate a value between two known points: enter both points and an x to find the y on the straight line between them.
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Linear Regression Analysis Calculator
Calculate linear regression for any set of (x, y) data pairs. Get the line of best fit, slope, intercept, Pearson's r, and a scatter plot.
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Linear Regression Calculator
Fit a least squares line to two lists of numbers. Get the slope, intercept and r-squared so you can model and predict from your x and y data.
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Housing in Linton Camp
What housing costs in Linton Camp, Palmerston North City: median weekly rent $272, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Linwood Central
What housing costs in Linwood Central, Christchurch City: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Linwood East
What housing costs in Linwood East, Christchurch City: median weekly rent $340, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Linwood North
What housing costs in Linwood North, Christchurch City: median weekly rent $388, the ownership and renting split, and household income, from the 2023 Census.
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Liquidity: Why Access to Cash Matters
NZ guide to liquidity: what it is, assets vs liquid assets, why illiquid wealth is risky, property vs cash, emergency planning, asset-rich cash-poor scenario, checklist.
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Listed Property Funds NZ
Listed property trusts give you commercial property you can sell any trading day. What the discount to asset value means, and how PIE tax works.
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Liveweight from Girth Calculator NZ
Estimate livestock liveweight from a heart girth and body length measurement, in centimetres and kilograms.
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NZ Living Wage 2026
The NZ Living Wage is $29.90 an hour from 1 September 2026, up from $28.95. How it differs from the minimum wage, who sets it, and every rate since 2023.
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Living Wage Calculator NZ
Your pay against the NZ living wage and minimum wage: the weekly and annual gap, and what closing it means in the hand after tax.
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Living Wage vs Minimum Wage Guide
Who sets the living wage and the minimum wage, whether each is compulsory, what they are based on, and why they differ. NZ.
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LJ Hooker Commission Calculator
Estimate LJ Hooker real estate commission on a New Zealand property sale. Free calculator using LJ Hooker's tiered structure, with GST. Indicative only, verify with the...
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LM317 Voltage Regulator Calculator
Free LM317 voltage regulator calculator. Enter the two programming resistors to get the output voltage, using Vout = 1.25 (1 + R2/R1).
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LMTD Calculator NZ
Calculate the log mean temperature difference (LMTD) for a heat exchanger from the hot and cold stream temperatures, for counterflow or parallel flow arrangements.
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Loan Calculator NZ
Enter amount, rate and term for weekly, fortnightly or monthly repayments, total interest and the full cost. Free NZ loan calculator.
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Loan Comparison Calculator NZ 2026
Compare two loans side by side in NZ. Enter loan amounts, rates, and terms to see total interest, total cost, and which loan saves more money.
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Loan Interest Calculator
Free loan interest calculator. Enter a loan amount, interest rate, and term to see the monthly repayment, the total interest you will pay, and the total amount repaid.
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Loan Payment Count Calculator
Exactly how many payments clear a loan: enter present value, target balance and rate to find the number of periods needed.
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Loan to Value Ratio (LVR) Guide
Complete guide to LVR in NZ. Learn how to calculate Loan to Value Ratio, RBNZ restrictions, deposit requirements, LMI, and strategies for different LVR levels.
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Loan to Value Ratio Calculator NZ 2026
Calculate your loan to value ratio (LVR) for any NZ property purchase. Enter the purchase price and deposit to see LVR percentage and mortgage amount.
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Loan Top-Up True Cost Calculator NZ
See the true cost of topping up a loan in New Zealand. Work out the extra monthly repayment and the total interest the additional borrowing adds over the remaining term.
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Loaning Money to Family NZ
Gift or loan? In NZ the difference decides relationship property, the residential care subsidy and what happens on death. Why $8,500 a year is the number to know.
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Loans and debt questions, answered
Personal loans and car finance, credit cards, hire purchase and buy now pay later, and the order to clear debts in.
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Housing in Loburn
What housing costs in Loburn, Waimakariri District: median weekly rent $350, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lochain Park
What housing costs in Lochain Park, Hastings District: median weekly rent $410, the ownership and renting split, and household income, from the 2023 Census.
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Lodge Commission Calculator
Estimate Lodge real estate commission on a New Zealand property sale. Free calculator using Lodge's tiered structure, with GST. Indicative only, verify with the agency.
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Log Calculator
Free log calculator. Find the logarithm of any number in any base: log base 10 (common log), natural log (ln), log base 2, or a custom base.
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Logarithm Calculator
Free logarithm calculator. Find the log of a number to any base, plus the natural log and log base 10, with a clear explanation.
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Logarithm Change of Base Calculator
Calculate log base b of x using the change of base formula. Returns the result, natural log and log base 10 comparisons, and shows each step of the calculation.
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Logbook vs Kilometre Rate Calculator NZ 2026
Free NZ calculator comparing the two vehicle expense methods: actual costs apportioned by logbook, or the kilometre rate.
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Logistic Growth Calculator NZ
Model logistic (S-curve) growth toward a carrying capacity. Enter the starting value, carrying capacity, growth rate and time to find the population at that time.
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Logistic Regression Calculator
Calculate logistic regression for binary outcome data. Enter your observed data to get regression coefficients, predicted probabilities, and model fit statistics.
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Logo Churn Calculator
Calculate your logo churn rate from starting and lost customers, with an annualised figure. See the period churn percent and yearly churn for your customer base.
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Logo Retention Calculator
Work out your logo retention rate from starting and churned customers. See the percentage of customers retained and the number kept over the period instantly.
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Housing in Long Bay
What housing costs in Long Bay, Auckland: median weekly rent $925, the ownership and renting split, and household income, from the 2023 Census.
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Long Commute vs Close House Calculator NZ
Compare buying a cheaper house with a long commute against a dearer house close to work in New Zealand, weighing the price saving against years of commute cost and time.
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Long Division Calculator
Perform long division with full step-by-step working shown. Enter any dividend and divisor to get the quotient, remainder and every intermediate step explained clearly.
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Long Multiplication Calculator
Multiply two numbers using long multiplication. Shows every partial product, carry and intermediate row exactly as the traditional written method, with the final answer.
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Housing in Longlands-Pukahu
What housing costs in Longlands-Pukahu, Hastings District: median weekly rent $430, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Longwood Forest
What housing costs in Longwood Forest, Southland District: median weekly rent $200, the ownership and renting split, and household income, from the 2023 Census.
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Look-Through Company (LTC) Tax Calculator NZ
Compare the tax on look-through company (LTC) income, taxed at the owner's personal rates, against an ordinary company taxed at 28 percent. Enter profit and other income.
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Lorem Ipsum Bytes Generator NZ
Generate lorem ipsum placeholder text to a target byte size. Enter the number of bytes to get filler text of about that size, with the exact byte count shown.
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Lorem Ipsum Generator
Free lorem ipsum generator. Generate placeholder text by paragraphs, sentences, or words. Copy to clipboard instantly.
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Lorentz Force Calculator
Calculate the magnetic (Lorentz) force on a moving charge from F = qvB sin(theta). Free Lorentz force calculator in newtons with the angle taken into account.
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Lost KiwiSaver Value Finder NZ 2026/27
Find a lost KiwiSaver through myIR and Inland Revenue, and see what consolidating it into a better-performing fund could be worth.
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Low-Equity Premium (LEM) Cost Calculator NZ
What a bank's rate margin adds when your deposit is under 20%, and how quickly building equity lets you escape the LEM. NZ.
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Low-Equity Premium Calculator NZ
Estimate the low-equity premium (LEM) on a New Zealand mortgage with less than a 20% deposit: your LVR, the margin band and the extra cost per year and month.
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Low-Value Asset Write-Off Calculator NZ 2026/27
Can the asset be fully deducted under the $1,000 threshold or must it depreciate? With the first-year saving at your marginal rate. NZ.
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Housing in Lower Aramoho
What housing costs in Lower Aramoho, Whanganui District: median weekly rent $280, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lower Moutere
What housing costs in Lower Moutere, Tasman District: median weekly rent $328, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lower Vogeltown
What housing costs in Lower Vogeltown, New Plymouth District: median weekly rent $380, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lower Wairau
What housing costs in Lower Wairau, Marlborough District: median weekly rent $400, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lower Waitaki
What housing costs in Lower Waitaki, Waitaki District: median weekly rent $248, the ownership and renting split, and household income, from the 2023 Census.
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LTV Calculator
Calculate SaaS Customer Lifetime Value (LTV) from average revenue per account, gross margin and churn rate.
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LTV:CAC Ratio Calculator
Calculate your LTV to CAC ratio by dividing customer lifetime value by acquisition cost. See whether your SaaS unit economics clear the 3 to 1 benchmark.
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Housing in Lucknow
What housing costs in Lucknow, Hastings District: median weekly rent $460, the ownership and renting split, and household income, from the 2023 Census.
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Luhn Algorithm Calculator
Free Luhn algorithm calculator. Enter a number to check whether it passes the Luhn checksum used by credit cards, and get the Luhn check digit.
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NZ Lump Sum and Redundancy Tax Calculator 2026
The exact PAYE on a redundancy, bonus or lump sum, using IRD's extra pay method and flat rate options. Updated for 2026/27.
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Lump Sum vs Annuity at Retirement Calculator NZ
Compare taking a retirement lump sum and drawing it down yourself against an annuity income in New Zealand, and see what would be left after matching the annuity.
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Housing in Lumsden-Balfour
What housing costs in Lumsden-Balfour, Southland District: median weekly rent $200, the ownership and renting split, and household income, from the 2023 Census.
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LVR Lending Capacity Calculator NZ 2026
Calculate your maximum NZ home loan borrowing capacity based on your LVR (Loan to Value Ratio).
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LVR Restrictions Guide
What LVR means, the deposit needed as an owner-occupier or investor, bank speed limits, low-equity premiums and new build exemptions. NZ.
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Housing in Lyall Bay
What housing costs in Lyall Bay, Wellington City: median weekly rent $525, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lyalldale
What housing costs in Lyalldale, Waimate District: median weekly rent $290, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lynfield Central
What housing costs in Lynfield Central, Auckland: median weekly rent $590, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lynfield Harbour View
What housing costs in Lynfield Harbour View, Auckland: median weekly rent $630, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lynmore
What housing costs in Lynmore, Rotorua District: median weekly rent $550, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lyttelton
What housing costs in Lyttelton, Christchurch City: median weekly rent $420, the ownership and renting split, and household income, from the 2023 Census.
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Housing in Lytton
What housing costs in Lytton, Gisborne District: median weekly rent $480, the ownership and renting split, and household income, from the 2023 Census.
Listed from the site's own index of its pages, rebuilt whenever pages change. Last reviewed 2026-09-06. See also every question the site answers, the finance glossary and the guides.