Money, worked out
for New Zealand.
29 free calculators covering mortgages, KiwiSaver, solar payback, car costs, tax and more — every number built around real New Zealand rates and rules, not generic estimates.
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Mortgage payment calculator
Work out weekly, fortnightly or monthly repayments on a home loan at today's NZ interest rates.
Calculate repayments → HousingHow much can I borrow?
See your likely mortgage borrowing power under the RBNZ's DTI, LVR and serviceability rules.
Estimate borrowing power → SpendingMonthly spending calculator
Add up your income and everyday costs, and see how your spending compares to the average NZ household.
Build your budget → MotoringCar finance calculator
Estimate loan repayments for a new or used car, including optional balloon payments.
Calculate car loan → MotoringCar running cost calculator
Fuel, rego, WOF, insurance, servicing and RUC — the true weekly cost of owning your car.
Work out running costs →This spot is reserved
A sponsored placement could sit here. It's clearly labelled, and sponsored content never changes what any calculator on this site tells you.
Advertising enquiries →Take-home pay (PAYE) calculator
See your net pay after tax, ACC levy, KiwiSaver and student loan repayments.
Calculate take-home pay → SpendingGST calculator
Add or remove 15% GST from any amount instantly, the IRD-prescribed way.
Calculate GST → SpendingCredit card payoff calculator
See how long it'll take to clear your balance and what it costs in interest.
Calculate payoff time → EarningKiwiSaver calculator
Project your KiwiSaver balance at retirement from contributions and growth.
Project my balance → HousingRent vs buy calculator
See whether renting and investing or buying builds more wealth over time.
Compare renting and buying → MotoringCar depreciation calculator
Estimate what your car will be worth in a few years.
Estimate depreciation → SpendingSavings goal calculator
See how many months it'll take to reach your savings target.
Plan my savings → EarningContractor vs employee calculator
Compare take-home pay as an employee vs a self-employed contractor.
Compare take-home pay → HousingHome buying costs calculator
See the true cash you'll need beyond your deposit to buy a home.
Estimate buying costs → HousingRefix / refinance calculator
See if breaking your fixed mortgage early to refix lower is worth it.
Check if refixing pays off → MotoringEV vs petrol calculator
Compare total cost of ownership between an EV and a petrol car.
Compare EV vs petrol → MotoringCar affordability calculator
See a responsible spending ceiling for your next car, based on income.
Check what I can afford → SpendingDebt payoff order calculator
Compare snowball vs avalanche methods for paying off multiple debts.
Compare payoff methods → SpendingBuy Now Pay Later cost calculator
See what Afterpay or Laybuy really costs if you miss a payment.
Calculate BNPL cost → EarningPay rise calculator
See what a raise actually adds to your take-home pay after tax.
Calculate my real raise → EarningNZ Super + KiwiSaver calculator
Estimate your combined weekly retirement income.
Estimate retirement income → SolarSolar install cost calculator
See what a solar system actually costs installed, by size.
Estimate install cost → SolarSolar system sizing calculator
Work out how many kW of solar your household needs.
Size my system → SolarSolar savings calculator
See how much solar could save on your power bill each year.
Calculate my savings → SolarSolar payback period calculator
See how many years until your solar system pays for itself.
Calculate payback period → SolarSolar & home value calculator
See how much solar could add to your home's value.
Estimate value uplift → SolarSolar battery storage calculator
See if adding a home battery makes financial sense.
Check battery payback → SolarSolar export earnings calculator
See what your surplus solar power could earn you.
Estimate export earnings → SolarHeat pump running cost calculator
Compare heat pump running costs vs a standard electric heater.
Compare heating costs →