Mortgage and home buying calculators for New Zealand
Repayments, deposits and what buying a home really costs.
- 7 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
- Mortgage Your weekly, fortnightly or monthly home loan repayment and total interest.
- Mortgage Affordability How much you could borrow under the debt-to-income limits, and the price it buys.
- Extra Repayment How much sooner extra repayments clear your home loan, and the interest saved.
- Rent vs Buy Is it cheaper to rent or buy? Compare what you’d have after you sell.
- Rent Affordability How much rent fits your income, and what it costs to move in.
- Mortgage Refinance Is switching banks worth it after break fees? See what you’d save.
- Rental Yield Gross and net rental yield, and cash flow, for an investment property.
Guides
All New Zealand guides- Buying a home First home buyer guide: KiwiSaver, First Home Loan and costs Buying your first home in New Zealand: using KiwiSaver for the deposit, the First Home Loan with 5% down, how much you can borrow and costs to plan for. Read the guide
- Buying a home Home loan deposit and debt-to-income rules How New Zealand's deposit (LVR) and debt-to-income (DTI) rules decide how much you can borrow for a home, what counts as debt, and help for first home buyers. Read the guide
- Money basics Inflation and interest rates in New Zealand, explained What inflation is, why the Reserve Bank of New Zealand raises and cuts the OCR, and what both mean for your savings, debts and mortgage. Read the guide
- Money myths Myth: renting is dead money (NZ) Owners pay a lot they never get back too: interest, council rates, insurance and repairs. How to compare renting and buying fairly in New Zealand. Read the guide