HomeCalcs — Free Property Calculators for New Zealand

All Property Owners

Tools for anyone who owns, rents out or is planning to sell property in New Zealand.

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True Cost of Selling

See exactly what you'll net after agent fees, legal costs and your mortgage payout.

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Estimated Sale Price ($)

Agent Commission (%)

Legal Fees ($)

Marketing Budget ($)

Moving Costs ($)

Staging Costs ($)

Outstanding Mortgage Balance ($)

Cost Breakdown

Gross Sale Price—

Agent Commission—

Legal Fees—

Marketing—

Moving Costs—

Staging Costs—

Total Selling Costs—

Mortgage Payout—

Net Proceeds—

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Rental Yield Calculator

Calculate gross and net rental yield plus annual income after operating costs.

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Property Value ($)

Weekly Rent ($)

Annual Rates ($)

Annual Insurance ($)

Annual Maintenance ($)

Property Management (% of rent)

Gross Yield

—

Annual rent ÷ value

Net Yield

—

After all costs

Annual Net Income

—

Before tax

Deductions

Annual Gross Rent—

Rates—

Insurance—

Maintenance—

Property Management—

Annual Net Income—

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Interest Rate Stress Test

See how your repayments change if rates rise — before they do.

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Loan Balance ($)

Current Interest Rate (%)

Remaining Loan Term (years)

Stress Test Rate (% above current)

Repayment Frequency

Repayment Comparison

Current Rate Repayment—

Stress Test Rate—

Stress Test Repayment—

Extra per period—

Extra per year—

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Repayment Frequency Comparison

Compare weekly, fortnightly and monthly repayments — and see how much you save.

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Loan Balance ($)

Interest Rate (%)

Loan Term (years)

Frequency Comparison

Frequency	Repayment	Total Interest	Total Cost
Weekly	—	—	—
Fortnightly	—	—	—
Monthly	—	—	—

Interest saved (weekly vs monthly)—

First Home Buyers

Practical calculators to help you plan, save and understand your buying power.

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KiwiSaver First Home Withdrawal Estimator

Estimate how much of your KiwiSaver balance you can use toward your first home.

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Current KiwiSaver Balance ($)

Years Contributing

Estimated Member Tax Credits to Date ($)

Withdrawal Estimate

Current Balance—

Minimum Retained ($1,000)$1,000

Estimated Withdrawable Amount—

Enter your balance and years contributing to see your estimate.

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First Home Grant Eligibility Checker Closed May 2024

Check what you would have received under the First Home Grant scheme and explore current alternatives.

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⚠️ The First Home Grant scheme was closed by the NZ Government in May 2024. This calculator uses the previous criteria for reference. Check Kāinga Ora (kaingaora.govt.nz) for current first home buyer assistance schemes.

Gross Annual Income ($)

Years in KiwiSaver

Purchase Price ($)

Property Type

Region

Eligibility Assessment (Historical)

Income Threshold (single)—

Income Threshold (combined)—

Price Cap for Region / Type—

Estimated Grant (if eligible)—

Grant amounts were $1,000 per year in KiwiSaver for existing properties (up to $5,000) and $2,000 per year for new builds (up to $10,000). Income and price caps applied. Always verify with Kāinga Ora for current schemes.

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Deposit Progress Tracker

Know exactly when you'll hit your deposit target based on your current savings rate.

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Target Property Price ($)

Target Deposit (%)

Current Savings ($)

Monthly Savings ($)

Expected Annual Return on Savings (%)

Progress Summary

Deposit Target—

Current Savings—

Gap to Target—

Estimated months to goal—

Estimated years to goal—

Projected target date—

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Borrowing Power Calculator

Get a rough estimate of your maximum borrowing capacity before you talk to a lender.

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Gross Annual Income ($)

Existing Debt Repayments ($/month)

Number of Dependants

Estimated Interest Rate (%)

Loan Term (years)

LVR — Loan to Value Ratio (%)

Max Borrowing

—

Estimated maximum loan

Required Deposit

—

At selected LVR

Max Purchase Price

—

Loan + deposit

Indicative Monthly Repayment—

Indicative Weekly Repayment—

This is a simplified estimate only. Lenders apply their own affordability assessments under CCCFA guidelines, using a higher test rate, specific living cost benchmarks and credit history. Always confirm with a mortgage adviser or lender.

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Legal and Due Diligence Cost Estimator

Understand the upfront costs beyond your deposit — before you go unconditional.

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Purchase Price ($)

Property Type

LIM Report Needed?

Builder's Report Needed?

Estimated Costs

Lawyer Fees (conveyancing)—

LIM Report—

Builder's Report—

Loan Registration Fee—

Total Estimated Range—

These are indicative estimates only. Actual costs vary by lawyer, region and property complexity. Always get quotes from your own solicitor before proceeding.

Refinancers

Tools to help you make smarter decisions when breaking, splitting or refixing your mortgage.

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Break Fee Estimator

Get a rough sense of what it could cost to break your fixed rate early.

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Outstanding Loan Balance ($)

Your Current Fixed Rate (%)

Wholesale Rate When You Fixed (%)

Current Wholesale Rate (%)

Months Remaining on Fixed Term

Estimated Break Fee—

⚠️ This is an approximation only. Actual break fees are calculated by your lender using their own wholesale rate data and methodology, and may differ significantly. Always get a break fee quote directly from your bank before making any decisions.

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Mortgage Split Calculator

Model the blended rate and repayments for a fixed/floating split structure.

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Total Loan Amount ($)

Fixed Portion (%)

Fixed Rate (%)

Floating Rate (%)

Loan Term (years)

Fixed Portion

—

Floating Portion

—

Blended Rate

—

Combined Repayments

Weekly—

Fortnightly—

Monthly—

Annual Interest Cost—

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Refix Comparison Tool

Compare up to three fixed terms and floating — and find the lowest-cost option over two years.

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Outstanding Balance ($)

Remaining Loan Term (years)

Option 1 — Rate (%) / Term

Option 1 Term (years)

Option 2 — Rate (%)

Option 2 Term (years)

Option 3 — Rate (%) (optional)

Option 3 Term (years)

Floating Rate (%) (optional)

2-Year Interest Cost Comparison

Monthly Repayment Comparison

Option	Rate	Term	Monthly Repayment	2yr Interest

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Overpayment Impact Calculator

See how much time and interest you save by paying a little extra each period.

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Current Loan Balance ($)

Interest Rate (%)

Remaining Loan Term (years)

Extra Repayment Frequency

Extra Repayment Amount ($)

Time Saved

—

Off your loan term

Interest Saved

—

Total over life of loan

New Payoff Date

—

Original payoff date—

Base repayment (selected frequency)—

New repayment with extra—

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Equity Unlock Calculator

Find out how much equity you could access for renovations, investment or other goals.

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Estimated Property Value ($)

Outstanding Mortgage Balance ($)

Current LVR

—

Usable Equity (80%)

—

Usable Equity (70%)

—

Property Value—

Outstanding Mortgage—

Total Equity (value − mortgage)—

80% LVR ceiling—

Accessible equity at 80% LVR—

Usable equity is the amount you could potentially borrow against your property without exceeding a given LVR. Lenders will assess serviceability, credit and other factors before approving any equity release. This figure is an estimate only.