Calculators

RESOURCES

    Calculators

    Reverse Mortgage

    Mortgage details

    Term
    Current value of home
    Initial lump sum required
    Payments required each month
    Monthly fees
    Upfront costs
    Loan interest rate
    Estimated increase in home value

    Results

    Basic Loan Repayments

    Loan details

    Loan amount

    Loan A

    Loan term
    Interest rate
    Repayment frequency

    Loan B

    Loan term
    Interest rate
    Repayment frequency

    Loan C

    Loan term
    Interest rate
    Repayment frequency

    Loan D

    Loan term
    Interest rate
    Repayment frequency

    Results

    Loan A

    Periodic payment $

    Total cost of loan $

    Loan B

    Periodic payment $

    Total cost of loan $

    Loan C

    Periodic payment $

    Total cost of loan $

    Loan D

    Periodic payment $

    Total cost of loan $

    Extra Repayments

    Loan details

    Loan term Loan amountInterest rateRepayment frequency

    Extra contribution

    Extra monthly repaymentsStart extra repayments at

    Results

    1. Current repayments $
    2. Updated repayments $
    3. Original total amount $
    4. Updated total amount $
    5. Interest you will save $
    6. Time you will save
    7. Updated loan term

    Lump Sum Payment

    Loan details

    Loan term Loan amountInterest rateRepayment frequency

    Lump Sum Payment

    One-off lump sum paymentLoan term

    Results

    1. Current repayments $
    2. Original total amount $
    3. Updated total amount $
    4. Interest you will save $
    5. Time you will save
    6. Updated loan term

    How Long to Repay

    Loan details

    Loan amountInterest rateRepaymentsRepayment frequency

    Results

    1. Loan term
    2. Total interest payable $
    3. Total cost of loan $

    Principal & Interest / Interest Only

    Loan details

    Loan term Loan amountInterest rateRepayment frequency Payment type

    Results

    1. repayments $
    2. Total interest payable $
    3. Total cost of loan $

    Split Loan

    Loan details

    Loan term Loan amountPayment frequency Fixed portionFixed term Fixed interest rateVariable interest rate

    Results

    During Fixed Period

    1. Fixed repayments $
    2. Variable repayments $
    3. Total repayments $

    After Fixed Period

    1. Total ongoing repayments $

    Totals

    1. Total interest payable $
    2. Total cost of loan $
    3. Total interest payable if loan was at variable rate only $

    Complete Loan Comparison

    Loan details

    Loan term
    Loan amount

    Loan A

    Bank name
    Fixed rate
    Fixed period (months)
    Ongoing rate
    Upfront fees
    Fees
    Discharge fee

    Loan B

    Bank name
    Fixed rate
    Fixed period (months)
    Ongoing rate
    Upfront fees
    Fees
    Discharge fee

    Results

    Loan A

    1. Fixed monthly repayments $
    2. Ongoing monthly repayments $
    3. Total repayments $

    Loan B

    1. Fixed monthly repayments $
    2. Ongoing monthly repayments $
    3. Total repayments $

    How Much Can I Borrow?

    Loan details

    Loan term
    Interest rate
    Income

    Gross Income 1

    Amount
    Frequency

    Gross Income 2

    Amount
    Frequency

    Untaxed Income

    Amount
    Frequency

    Rental Income

    Amount
    Frequency
    Expenses

    Other Loans

    Amount
    Frequency
    Car loan repayments per month
    Total credit card limit
    Number of dependants

    Results

    1. You can borrow up to $
    2. Monthly repayments $
    3. Total interest payable $
    4. Fortnightly repayments $
    5. Weekly repayments $

    What Can I Afford To Borrow?

    Available funds

    Current rent

    Amount
    Frequency

    Cash surplus

    Amount
    Frequency

    Discretionary spending

    Amount
    Frequency

    Loan details

    Loan term
    Interest rate
    Repayment frequency

    Results

    1. You can affort to borrow up to $
    2. repayments $
    3. Total interest payable $

    Remaining Balance

    Loan details

    Loan term
    Loan amount
    Fixed rate
    Fixed period (months)
    Ongoing rate
    Remaining balance after

    Results

    1. Fixed monthly repayments $
    2. Ongoing monthly repayments $
    3. Total repayments $

    Bi-Monthly Calculator

    Loan details

    Loan term
    Loan amount
    Interest rate
    How many monthly repayments have you already made?

    Results

    Monthly repayments

    1. Repayments $
    2. Interest saved $
    3. Time saved $
    4. Total $

    1/2 Monthly paid fortnightly

    1. Repayments $
    2. Interest saved $
    3. Time saved $
    4. Total $

    1/4 Monthly paid weekly

    1. Repayments $
    2. Interest saved $
    3. Time saved $
    4. Total $

    Millionaire Calculator

    When will you become a millionaire?

    This calculator shows you how long it will take you to reach a savings target.

    1 3% is a good rate of return.

    2 Inflation, is around 7%.
    Note:  Inflation is currently high, choose whatever rate you wish, but we think 3% is fair as an average

    You may change the rate of inflation and the rate of return to what ever rates you think will apply over the number of years you select.
    We suggest rates between 3% and 5%.

    3 Similarly the $1m is our default wealth goal. You can change this to whatever final figure you want.

    4 You may change the rate of return to any value you like

    Income Tax Calculator

    Tax details

    Please select which period you would like to calculate your taxable income for:

    Please note: Income tax threshold rates changed part way through the 1 April 2024 to 31 March 2025 financial year. The composite 2025 financial year tax rates and thresholds are reflected in this calculator. Visit the IRD website for a full list of rates by financial year.

    Please enter your Taxable Income, ie. Gross Salary:

    Results

    Tax Bracket
    Tax Rate Total Tax
    Tax
    Acc Earners' Levy
     
     
    Net Income

    Per Annum:

    Per Week:

    Per Fortnight:

     

    15% GST Calculator

    Amount

    Car Lease

    Lease details

    Term
    Purchase price
    Residual
    Interest rate
    Payments made

    Results

    1. Monthly payment $
    2. Total cost $

    Savings

    Savings details

    Saving term
    Initial amount
    Deposit amount
    Deposit frequency
    Interest rate

    Results

    1. Total amount at end of term $
    2. Total amount deposited $
    3. Total interest earned $

    Achieve My Savings Target

    Savings details

    My savings target is
    Initial deposit
    Interest rate
    Savings frequency
    Saving term

    Results

    1. Weekly instalments required $
    2. Total interest earned $
    3. You will reach your target in
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