Tools
Your real numbers, not a range someone made up.
Every calculator works without an account. Create a free Passport when you want to save a result and come back to it.
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Readiness Check
Ten questions. A straight answer about where you actually are.
- You put in:
- Timeframe, deposit, KiwiSaver, income, employment, debts, region
- You get:
- Score out of 100, your band, and the three things to do next
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Affordability Calculator
What a lender is likely to lend you, and what that buys.
- You put in:
- Income, deposit, dependants, other debt, region
- You get:
- Indicative borrowing range, price range, DTI flag, LVR band
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Deposit Goal Calculator
What you need at 5%, 10% and 20% — and how long it takes.
- You put in:
- Target price, savings, KiwiSaver, weekly saving
- You get:
- Deposit required at each level, months to target, effect of +$50/week
KiwiSaver First Home Estimator
What you could actually withdraw, less the $1,000 that must stay.
- You put in:
- Balance, years a member, contribution rate, salary, timeframe
- You get:
- Estimated withdrawable amount at purchase
Repayment Calculator
The number that lands in your account every payday.
- You put in:
- Loan amount, rate, term, frequency
- You get:
- Repayment, total interest, yearly breakdown, effect of +$50/week
Upfront Costs Calculator
The costs around the purchase that catch people out.
- You put in:
- Purchase price, region, apartment or not
- You get:
- Itemised inspection, LIM, solicitor, valuation, insurance, moving, contingency
Rent vs Buy
An honest five-year comparison. Sometimes renting wins.
- You put in:
- Current rent, target price, deposit, rate, timeframe
- You get:
- Five-year comparison of both positions
Offer Planner
A one-page offer strategy you take to the agent.
- You put in:
- Comparables, budget, walk-away number
- You get:
- Your offer range, conditions to include, and your walk-away line
This is general information, not financial advice. Talk to a mortgage adviser before making decisions.