Map your income against real NZ household expenses to find your monthly surplus — then see what it could do on your mortgage or as a deposit.
Map my money →Loan amount, rate and term in — fortnightly and monthly repayments out, plus the total interest you'll pay over the life of the loan.
Work out repayments →A home costs more than its mortgage. Add rates, insurance, maintenance and body corp to see what it really costs per fortnight — and over the life of the loan.
See the real cost →Put a bit more in each fortnight, or a lump sum now, and see how many years and how much interest you'd save. The numbers are usually bigger than people expect.
See what you'd save →Money parked in an offset or revolving-credit balance isn't charged interest against your loan. See what keeping savings there saves you — while they stay yours.
See the offset saving →Rates dropped since you fixed? Get a rough idea of what it'd cost to break early — so you know whether it's worth asking the bank for a real quote.
Estimate the fee →Compare floating against 1, 2 and 3 year fixed on today's rates — then weigh the cost of certainty against the value of flexibility.
Fix or float? →Buying builds equity — but renting and investing the difference can win if prices stall. Compare both over the years you'd hold, on your own assumptions.
Compare the two →Fixing your whole loan on one term is a single bet. Split it across terms to spread rollover risk — see the blended rate and what each part costs.
Structure my loan →That daily coffee or weekly takeaway, over 10 years — what it'd grow to invested, or knock off your mortgage. Funny hook, confronting number.
Do the maths on me →The one tool you come back to: set your deposit goal and watch a single runway advance from today to your first home as you save, with your pre-approval window marked. Free, private, stays on your device.
Start my runway →What refixing at today's rate does to your repayments — before the bank's letter arrives. Repayments now vs after, equity, indicative cashback.
Check my refix →How far you really are from your first home: your deposit including KiwiSaver, how much a bank would actually lend you, and how many months to your next deposit milestone.
Check my buying power →