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Real numbers, before you decide

Whether you're sizing up a home loan, growing your KiwiSaver, or investing for the long term, our calculators give you clear numbers to work from. Try them for yourself below.

Mortgage repayment calculator Investment growth calculator KiwiSaver growth calculator Investor risk quiz
Know your numbers

Mortgage repayment calculator

Enter a loan amount, interest rate and term to see an estimate of your repayments.

This calculator is a simple illustration only, it is not a loan approval or offer of finance. It assumes a fixed interest rate for the full term and standard table (principal and interest) repayments, and ignores fees, offset or revolving structures, insurance and future rate changes, all of which affect your real repayments. Lending is subject to the lender's criteria and approval. Talk to us for an accurate, personalised assessment.

Ways to pay less interest

  • Even a small reduction in your rate can save tens of thousands over the life of the loan
  • Extra or more frequent repayments cut years off your term
  • We compare structures, fixed, floating, split or offset, to find what suits you

Your estimated repayments

Monthly repayment

$—

Total interest

$—

Total repaid

$—

Remaining loan balance

Want to check your structure is right for you?

We compare lenders across the market and can help you structure your loan to pay less interest over time.

Get mortgage advice
Plan ahead

Investment growth calculator

Adjust the numbers below to see what regular investing could build over 10, 20 or 30 years.

This calculator is a simple illustration only, it is not financial advice or a prediction. It assumes a constant return with monthly compounding and ignores tax, fees and inflation, which all affect real-world results. Returns from investments are not guaranteed and can be negative. Talk to us about what a realistic plan looks like for you.

Why starting early matters

  • Time in the market beats trying to time the market
  • Small, regular amounts compound significantly over decades
  • We help you choose a strategy that matches your goals and comfort with risk

Your projection

You put in

$—

Growth earned

$—

Ending balance

$—

Projected balance   Total contributions

Like what compounding could do for you?

A plan makes the difference between hoping and knowing. Talk to us about an investment or KiwiSaver strategy built around your goals.

Get Investment Advice
Grow it steadily

KiwiSaver growth calculator

Enter your balance, income and fund type to see how your KiwiSaver could build over time, in today's dollars.

Assumed return: 4.5% p.a. after fees and tax, the same rate used for Growth funds on KiwiSaver annual statements, set by the Government.

These figures are an estimate only, they are not financial advice, a prediction, or a guarantee of your actual KiwiSaver outcome, and are not guaranteed by NZOne, your provider, or the Government.
Full calculation assumptions

The projection uses the Government's standard KiwiSaver projection assumptions: after-fee, after-tax returns by fund type (Defensive 1.5%, Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5%), contributions increasing with income at 3.5% a year, and results adjusted for 2% annual inflation so they're shown in today's dollars. It does not include Government contributions, and assumes no savings suspensions or withdrawals. Contribution rates and Government settings can change, please confirm your current details with your provider or talk to us.

Your projected KiwiSaver balance

All figures in today's dollars, adjusted for 2% p.a. inflation.

Contributions in

$—

Growth earned

$—

Projected balance

$—

Projected balance   Contributions only

Two things worth checking

  • Is your fund type (conservative, balanced, growth) still matched to your timeframe?
  • Is your contribution rate keeping pace with your actual retirement goals?

Not sure you're in the right fund or rate?

We'll check your fund type, contribution rate and provider against your actual goals, then help you make any changes.

Get KiwiSaver advice
Investor quiz

What kind of investor are you?

Six quick questions for an indicative feel of your comfort with investment risk.

Why take this quiz?

Six quick questions give you an indicative read on your comfort with investment risk, from Defensive through to Growth. It's a starting point for a real conversation with us, not a formal risk assessment.

This quiz is a conversation starter, not financial advice and not a formal risk assessment. Your true risk profile depends on your full situation, which we work through properly as part of the advice process before making any recommendation.