New Zealand Loan & Mortgage Calculators
Plan borrowing and repayments in New Zealand — home loan mortgages, personal loans, vehicle finance and student-loan repayment.
New Zealand Loan & Mortgage Calculators
Choose a tool to get an instant estimate.
Mortgage Calculator
Most usedHome loan repayments, interest and term.
Open calculatorLoan Calculator
Repayments and total interest for personal loans.
Open calculatorAuto Finance Calculator
Vehicle finance repayments and total cost.
Open calculatorStudent Loan Repayment Calculator
Income-based student-loan repayment estimate.
Open calculatorFrequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
How are New Zealand mortgage repayments calculated?
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How are New Zealand mortgage repayments calculated?
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Mortgage repayments depend on the loan amount, interest rate and term, and whether repayments are table (principal and interest) or interest-only. The mortgage calculator shows the regular repayment and total interest so you can compare terms and rates.
How does New Zealand student-loan repayment work?
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How does New Zealand student-loan repayment work?
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New Zealand student loans are repaid as a percentage of income above a repayment threshold, deducted through PAYE for salary earners. The loan is interest-free for borrowers who stay in New Zealand. The student-loan calculator estimates your repayment from your income and balance.
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