Mortgage Calculators NZ

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.

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193 free calculators in this category

Advanced Mortgage Calculator Agent Appraisal Reality Check Calculator Airbnb Nightly Rate Calculator Airbnb vs Long-Term Rental Calculator Apartment Lending Calculator Apartment Strengthening Cost Calculator ARM Mortgage Calculator Auction Day Cash Required Calculator Auction Reserve Calculator Auction vs Deadline Sale Calculator Bank Test Rate Comparison Bi-Weekly Mortgage Payment Calculator Bike EMI Calculator Biweekly Mortgage Calculator Body Corp vs Freehold Ownership Cost Calculator Body Corporate Levy Forecast Calculator Body Corporate Special Levy Calculator Borrowing Capacity Calculator Borrowing Power Calculator NZ Break Fee vs Stay Calculator Break-Even Sale Price 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 Car Refinance Calculator Cash vs Mortgage Calculator Cash-on-Cash Return Calculator Cash-Out Refinance Calculator Cashback Clawback Calculator Chattels Schedule Value Calculator Co-Ownership Equity Share Calculator Commercial Property Purchase Calculator Commission Negotiation Savings 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 Repayment Calculator NZ Debt Service Ratio Calculator Deposit at Risk Calculator Deposit Gap Calculator Deposit in Trust Calculator Deposit Required by LVR Band Downsizing Net Gain Calculator Early Possession and Rent-Back Calculator Failed Campaign and Relisting Cost Calculator First Home Buyer All-In Cost Calculator First Home Buyer Calculator First Home Buyer First Year Cost Calculator First Home Buyer Total Cost Calculator First Home Loan Eligibility Calculator Fixed Term Expiry Planner Fixed vs Floating Mortgage Calculator Flat Fee vs Percentage Commission Calculator Fortnightly vs Monthly Mortgage Granny Flat Consent-Free Checker Granny Flat Cost Calculator Granny Flat Rental ROI Calculator Guarantor Loan Calculator Guarantor Risk Exposure Calculator Healthy Homes Heating Capacity Calculator Historical Rates Analysis Calculator Holding Cost While Unsold Calculator Holiday Home Break-Even Nights Calculator Holiday Home Cost Calculator Home Deposit Timeline Calculator Home Equity Access Calculator Home Equity Calculator NZ Home Mortgage Calculator Home Renovation Budget Calculator House Affordability Calculator NZ House Closing Costs Calculator House Deposit Savings Calculator NZ House Selling Timeline Calculator How Much Can I Borrow for a House in NZ? Interest Only Mortgage Calculator Interest Only vs Principal Calculator Interest Rate Rise Impact Calculator Interest-Only vs Principal and Interest 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 Late Settlement Interest Calculator Loan to Value Calculator Long Commute vs Close House Calculator Low-Equity Premium (LEM) Cost Calculator Low-Equity Premium Calculator LVR Lending Capacity Calculator Market Rent Appraisal Estimator Minor Dwelling / Granny Flat ROI Calculator Mortgage Amortisation Schedule Mortgage Amortization Calculator 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 Pre-Approval Expiry 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 Mortgage with Extra Payments Calculator Negative Gearing Threshold Calculator Net Sale Proceeds Calculator New Build GST Calculator Non-Bank Lender Cost Calculator NZ Mortgage Repayment Ready Reckoner (30-Year) Offset vs Savings Calculator Own a Bach vs Rent Holidays Calculator Pre-Settlement Inspection Defects Calculator Principal Payback Milestone Calculator Private Sale vs Agent Calculator Progress Payment Build Drawdown Calculator Property Break-Even Holding Period Calculator Property Capital Value Change Calculator Property Capitalisation Rate Calculator Property Deal Analyser 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 Offer Strategy Calculator Property Ownership Cost Calculator Property Portfolio Equity Calculator Property Portfolio LVR Calculator Property Purchase Scenario Model 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 Real Estate Commission Comparison 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 First vs Buy First Calculator Sell Now vs Rent It Out Calculator Sell Shares to Buy a House vs Keep Calculator Seller Offer Comparison Calculator Selling a Tenanted Property Calculator Settlement Apportionment Calculator Settlement Funds Shortfall Calculator Sole Agency vs General Listing Calculator Split Loan Optimiser Subdivision Cost Calculator Sunset Clause Exposure Calculator Tenancy Rent-in-Advance Limit Checker Town House vs Lifestyle Block Calculator Turnkey vs Build Contract Cost Calculator Unconditional Offer Risk Calculator Unit Title Long-Term Maintenance Levy Calculator Vendor Marketing Spend Break-Even Calculator Weathertightness Repair Cost Calculator

What housing actually costs, area by area

Every calculator above asks you for a number. These pages are where that number comes from: median weekly rent, median household income and the share of households that own, for 2,210 areas across New Zealand, from the 2023 Census with 2013 and 2018 alongside for comparison.

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