Free tools · Real NZ numbers · No signup required
Free mortgage calculators.
Real numbers.
Built for NZ homeowners and savers. Get a quick estimate of where you stand.
Refinancing Calculator
Enter your current mortgage details to see an estimate of how much you could save by switching rates — month by month and over the full loan term.
$551
avg. monthly saving
(example based)
(example based)
20+
lenders
accessible
accessible
Free
we're paid by
the lender
the lender
Licensed FAP · Estimate only, not financial advice
Repayment Calculator
Model your mortgage repayments, total interest, and payoff date. Adjust the rate, loan amount, term, and frequency to see the full picture.
1-30yr
loan terms
modelled
modelled
5%
min. deposit*
(first home, eligible buyers)
(first home, eligible buyers)
2
compare current
vs. what-if
vs. what-if
Licensed FAP · Estimate only, not financial advice
KiwiSaver Retirement
See how your fund type could affect your retirement balance over time.
0
reviews the average KiwiSaver
fund gets after joining
fund gets after joining
13.3% vs 7.4%
growth vs conservative
fund returns
fund returns
Up to $260.72
free govt money
per year
per year
Your details
Your age
{{ calcAge }} yrs
18
64
Annual salary
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$30K
$200K
Current balance
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$0
$200K
Assumptions
3.5% employee + 3.5% employer · Govt up to $260.72/yr · Retire at 65 · Conservative 2.5% p.a. net · Growth 4.5% p.a. net
Figures are in future dollars, not adjusted for inflation. Assumes a flat salary with no growth, and doesn't account for fees or tax on investment returns. Illustrative only, not financial advice.
Years to retirement
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Conservative fund
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at retirement · 2.5% p.a. net
You could have more
{{ gapResult }}
≈ {{ gapMonthly }} more per month in retirement
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