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Mortgage & Property Calculators

This page lists every mortgage and property calculator on Calculate.co.nz. Work out repayments, compare fixed against floating, model the savings from a refix or an extra repayment, stress test your loan against higher interest rates, or estimate how much you can borrow. There are tools for first home buyers, investors and people building, including deposit and LVR calculators, bright-line and rental cashflow tools, and the all-in costs of buying and selling. Each calculator is free, built for New Zealand lending rules, and uses current settings for the 2026/27 year, with no sign-up required. Pick a calculator below to get a quick, clear answer, then use the related links on each page to plan the next step. These tools are for education and estimates only and do not constitute financial or lending advice.

128 free calculators in this category

Advanced Mortgage Calculator Airbnb Nightly Rate Calculator Airbnb vs Long-Term Rental Calculator Apartment Strengthening Cost Calculator Body Corp vs Freehold Ownership Cost Calculator Body Corporate Levy Forecast Calculator Body Corporate Special Levy Calculator Borrowing Capacity Calculator Break Fee vs Stay Calculator Bridging Loan Calculator Build vs Buy Existing Home Calculator Building Inspection and Due Diligence Cost Calculator Buy a House vs Build in a New Subdivision Calculator Capital Growth vs Yield Calculator Cash vs Mortgage Calculator Commercial Property Purchase Calculator Conveyancing Fee Estimator Cost of Selling a House Calculator Cost of Waiting to Buy Calculator Cross-Lease and Unit Title Risk Cost Calculator Cross-Lease to Freehold Conversion Cost Calculator Debt Service Ratio Calculator Deposit Gap Calculator Downsizing Net Gain Calculator First Home Buyer All-In Cost Calculator First Home Buyer Calculator First Home Buyer First Year Cost Calculator First Home Loan Eligibility Calculator Fixed vs Floating Mortgage Calculator Guarantor Loan Calculator Guarantor Risk Exposure Calculator Healthy Homes Heating Capacity Calculator Historical Rates Analysis Calculator Holiday Home Break-Even Nights Calculator Holiday Home Cost Calculator Home Deposit Timeline Calculator Home Equity Calculator NZ Home Renovation Budget Calculator House Affordability Calculator NZ House Closing Costs Calculator House Deposit Savings Calculator NZ Interest Only Mortgage Calculator Interest Only vs Principal Calculator Interest Rate Rise Impact Calculator Investment Property Cashflow Calculator Joint Mortgage Split Calculator Kainga Ora First Home Partner Calculator KiwiBuild Eligibility Calculator KiwiSaver vs Mortgage Calculator Knock-Down Rebuild vs Renovate Calculator Land Covenant and Easement Cost Calculator Land Holding Cost Calculator Loan to Value Calculator Long Commute vs Close House Calculator Low-Equity Premium Calculator LVR Lending Capacity Calculator Market Rent Appraisal Estimator Minor Dwelling / Granny Flat ROI Calculator Mortgage Amortisation Schedule Mortgage Break Fee Calculator Mortgage Budget Calculator Mortgage Calculator Mortgage Deposit Gift Calculator Mortgage Effective Interest Rate Calculator Mortgage Extra Repayment Calculator Mortgage Fixed-Rate Rollover Calculator Mortgage Interest Rate Comparison Calculator Mortgage Lump Sum Impact Calculator Mortgage Offset Calculator Mortgage Refinance Calculator Mortgage Refix Savings Calculator Mortgage Repayment Calculator Mortgage Repayment Frequency Calculator Mortgage Repayment Holiday Calculator Mortgage Repayment Visualiser Mortgage Short Term Rate Decision Calculator Mortgage Stress Test Calculator Mortgage Term Payment Comparison Calculator Mortgage Top Up Calculator Mortgage vs Invest Calculator Negative Gearing Threshold Calculator New Build GST Calculator Offset vs Savings Calculator Own a Bach vs Rent Holidays Calculator Principal Payback Milestone Calculator Progress Payment Build Drawdown Calculator Property Break-Even Holding Period Calculator Property Capital Value Change Calculator Property Capitalisation Rate Calculator Property Development Feasibility Calculator Property Investment Calculator NZ Property Legal Fees Calculator Property Location Cost Calculator Property Manager Fee vs Self-Manage Calculator Property New Build Calculator Property Ownership Cost Calculator Property Portfolio Equity Calculator Property Upsize Downsize Calculator Property Yield vs Term Deposit Calculator Rates Bill 2026 Estimator Rates By Region Calculator Rates Postponement Calculator Rates Postponement vs Reverse Mortgage Calculator Rates Revaluation Calculator RBNZ DTI Ratio Calculator Real Estate Commission Calculator Renovate vs Move House Calculator Renovation Value Uplift Calculator Rent Affordability Calculator Rent Arrears Calculator Rent Bond and Move-in Cost Calculator Rent Increase Calculator NZ Rent vs Buy Breakeven Calculator Rent vs Buy Calculator Rental Yield and Investment Calculator Rentvest vs Buy Own Home Calculator Rentvesting Calculator Reverse Mortgage Calculator NZ Revolving Credit Calculator Second Dwelling ROI Calculator Section Plus Build Total Cost Calculator Sell Shares to Buy a House vs Keep Calculator Subdivision Cost Calculator Tenancy Rent-in-Advance Limit Checker Town House vs Lifestyle Block Calculator Turnkey vs Build Contract Cost Calculator Unit Title Long-Term Maintenance Levy Calculator Weathertightness Repair Cost Calculator

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