NZ Financial Calculators Hub

Get a CCCFA-aligned estimate of your borrowing capacity based on your income, expenses, and existing commitments.

• 9% stress test interest rate
• Dual income support
• DTI calculation (6:1 cap)
• Dependents & expenses factored

Instantly estimate your weekly, fortnightly, or monthly mortgage costs with a visual breakdown.

• Multiple payment frequencies
• Compare two scenarios
• Principal vs interest chart
• Year-by-year amortization

See how additional payments can slash your loan term and save you thousands in interest.

• Time saved calculation
• Interest savings estimate
• Flexible payment frequencies
• Side-by-side comparison

See how long it will take to save your house deposit and track your progress towards home ownership.

• Flexible deposit percentages
• Interest on savings included
• Progress visualization
• Timeline calculation

Analyze rental yields, cashflow, and returns for New Builds or Existing properties with NZ-specific rules.

• New Build vs Existing toggle
• LVR/DTI considerations
• Gross & Net Yield
• Weekly cashflow analysis

Calculate your total usable equity across multiple properties and discover your purchasing power for your next investment.

• Owner-occupied + investment equity
• Add multiple investment properties
• New Build vs Existing purchase power
• Cashflow with 100% interest deductibility

Estimate repayments for business loans from $5k to $500k with terms of 3-24 months.

• Specialist vs bank comparison
• Interactive checklist
• Fast approval options
• Unsecured up to $150k

Create professional GST-compliant tax invoices. Fill in details and print or save as PDF.

• GST auto-calculation (15%)
• Add multiple line items
• Print-ready format
• Professional template

Calculate your PAYE tax, ACC levies, KiwiSaver contributions, and see your actual take-home pay.

• 2026 NZ tax brackets
• KiwiSaver rates (0-10%)
• Student loan repayments
• Weekly/fortnightly/monthly pay

Project your KiwiSaver growth and estimate your deposit for your first home, including the First Home Grant.

• KiwiSaver growth projection
• First Home Grant eligibility
• Government contribution calc
• Employer matching included

Quickly add or extract 15% GST from any amount using the IRD-recommended formula.

• Add GST (15%)
• Extract GST accurately
• IRD formula: Total × 3 ÷ 23
• Instant calculations