I am not sure of all your data as far as trade price ETC but if you enter in a long 13,000 unit position held for 24HRS on NZD/CAD it equals -0.26.
https://www.oanda.com/forex-trading/analysis/financing-calculator
Try using this calculator.
If I am not helping I am sorry and am not trying to be a know it all. Swap rates are definitely confusing, especially in the beginning.
Hope this calculator helps…