Your financial toolkit

Our calculator uses the same methods as banks, covering standard to complex loans.

Estimate your borrowing capacity, factoring in stress-test rates and expenses.

Forecast your construction loan's interest-only payments stage by stage, from land to completed build.

Don't let the initial shock of a penalty fee trap you into overpaying interest.

Our calculator uses the same methods as banks, covering standard to complex loans.

Track and negotiate the best interest rates with major New Zealand banks daily.

Estimate your savings by weighing benefits against costs like break fees.

Don't let the initial shock of a penalty fee trap you into overpaying interest.

Compare actual uplift if you pause KiwiSaver vs if you keep KiwiSaver.

Estimate your borrowing capacity, factoring in stress-test rates and expenses.

Track and negotiate the best interest rates with major New Zealand banks daily.

Calculate your maximum deposit for buying a new home or funding renovations.

Forecast your construction loan's interest-only payments stage by stage, from land to completed build.

Don't let the initial shock of a penalty fee trap you into overpaying interest.

Stress-test your rental income against real running costs and mortgage repayments to find your true cashflow.

Calculate gross and net rental yield, or reverse engineer the maximum purchase price for your target yield.

Our calculator uses the same methods as banks, covering standard to complex loans.

Estimate your borrowing capacity, factoring in stress-test rates and expenses.

Track and negotiate the best interest rates with major New Zealand banks daily.

Calculate your maximum deposit for buying a new home or funding renovations.

Forecast your construction loan's interest-only payments stage by stage, from land to completed build.

Don't let the initial shock of a penalty fee trap you into overpaying interest.

Compare actual uplift if you pause KiwiSaver vs if you keep KiwiSaver.

See how the 1.2% Kāinga Ora fee is added to your mortgage.

See how cross-collateralisation locks your equity.

Stress-test your rental income against real running costs and mortgage repayments to find your true cashflow.

Work out your true cash-in-hand after selling, and your budget for the next home.

Compare the true cost of turnkey against construction, factoring in holding costs and the overlap penalty.