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Calculators

All first home buyer calculators

Pick one at a time below, or use the combined calculator hub on the homepage to flick between all seven in one place.

Borrowing power

A realistic, bank-style estimate of how much you could borrow, based on your take-home pay, living costs and debt.

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What I can afford

Given your deposit and borrowing power, see the home price you can reach and the monthly repayment at today's rate.

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Deposit & KiwiSaver

Add up your deposit, see where you sit against the 20% mark, and how much KiwiSaver you can actually use.

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Repayments

Weekly, fortnightly and monthly repayments, total interest over the loan, and the payoff from accelerated fortnightly payments.

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5% First Home Loan

Check whether you'd meet the rules for a Kāinga Ora First Home Loan — buy with a 5% deposit instead of 20%.

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Low-equity cost

See what a low-equity margin or higher standard rate costs you per month, by bank, at your actual LVR and loan size.

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Deposit savings timeline

Not ready yet? See when you'll hit your deposit target at your current savings rate, including KiwiSaver.

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