Calculators

Borrowing

Full-function Mortgage Calculator

A full function calculator that will display all the calculations and chart the results.

Professional Mortgage Calculator

A mortgage calculator for professionals that can solve for payments, principal, term or rate.

LVR Borrowing Capacity Calculator

Work out what more you can borrow under the Reserve Bank's LVR rules and limits.

Property Upsize / Downsize Calculator

Bring together the financial implications of a transition between homes with this handy tool.

Credit card calculator

If you pay your credit card bill at the minimum payment rate, you might be shocked at what you are agreeing to.

Mortgage break fee

Estimate the likely cost of breaking a fixed interest rate contract early, by bank, including the main fees.

Real cost of debt

If you know your regular payment amount, work out what you are being charged for the cost of debt.

Fix or float?

Do you currently have a variable rate? This calculator can help you access whether you should switch to a fixed-rate mortgage.

Principal Payback Milestone Calculator

Work out the power of making extra payments to lower your mortgage obligation quickly.

How much can you bid?

Your house buying limit, based on your deposit and loan payment ability.

   

 

Saving and investing

Deposit calculator

Compares your return on two investment choices,side-by-side. A powerful tool for term deposits.

 

Retirement planning

KiwiSaver sustainability

Work out what your KiwiSaver fund might grow to, even if you stop making contributions.

 

Helpful Calculators

Foreign currency calculator

Get the true rates each institution uses to SELL foreign currency to you. This rate is different from the rate the BUY a currency from you.