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.
193 free calculators in this category
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.
- Housing costs by area, all 2,210 areas in 16 regions
- Auckland, Wellington, Canterbury and Otago
- How to read housing figures for an area, including why a rent and an income on the same page must not be divided