Yearly is the default and saves about a third compared with paying monthly.
New to putting calculators on a website? Read what advisers do with them first.
More Decision calculators are listed here as they are built.
Bespoke from $1,750 to build, plus $350 a year upkeep.
Tell us what you needSimple and quick. One question, one answer. Works for any industry.
What will my repayments be?
Work out weekly, fortnightly or monthly repayments on any loan, plus the total interest and the date it is paid off.
Shows: Weekly, fortnightly or monthly repayments, total interest and the full schedule, with an interest-only period if you want one.
When will I be mortgage-free?
See when your mortgage will be paid off, and how much time and interest extra repayments or a lump sum could save.
Shows: When your mortgage is paid off at today's repayments, and how much sooner - and how much less interest - with a little extra each payday or a lump sum.
How much income do I need for this home?
Work backwards from a home price to the take-home income a lender would want to see.
Shows: The monthly repayment, plus your other debts, living costs and a lender's $100 buffer: the take-home income needed each month and year.
How much equity can I use?
Find out how much of your home you own, and how much a lender might let you borrow against it.
Shows: Your equity and loan-to-value ratio, and the equity that could be available up to 80% of the home's value.
How long will this card take to pay off?
See how long a credit card balance will take to clear and what it costs in interest.
Shows: The months to clear the balance and the interest paid, or the repayment needed to clear it by a date you choose.
Is there money left at the end of the month?
Add up income and spending in any frequency to see your monthly surplus or shortfall and your savings rate.
Shows: Total income against total expenses, the surplus or shortfall, and where each dollar goes.
More detail: lending limits, savings, options, schedules or live bank rates. Built for one industry.
Am I on the best deal?
Compares your mortgage today with a switch to today's rate for your fixed term, plus an offset account working for you.
Shows: Your loan today against a switch to today's rate for your fixed term, and an optimal solution that keeps your repayment and puts the difference, cashback and everyday balance into an offset: interest and time saved, a comparison table and the balance over time.
Would an offset account clear my loan sooner?
Shows how savings held in an offset account cut interest and shorten the loan, compared with a standard fixed loan.
Shows: A standard loan against an offset loan at its own rate: the payoff date, the interest paid, and the difference over two and three years.
How much could I borrow for my first home?
Tests income, living costs and deposit against the three limits a New Zealand lender applies, and shows which one holds you back.
Shows: A borrowing range and purchase budget from your income, costs and deposit, and which of the three lender limits - repayments, 6x income or deposit - decides it.
Am I better off renting or buying?
Compares the long-term position of buying a home against renting and investing the difference.
Shows: Both paths year by year, and which leaves you with more at the end: the home's value or the renter's savings.
Would one loan be cheaper than several?
Lists each debt and shows what one combined loan would cost each month compared with today.
Shows: Repayments and interest across every current debt, against a single consolidated loan, and the monthly difference.
What are the banks charging today?
Each lender's lowest published home-loan rate for every fixed term, refreshed hourly, with the lowest in each term highlighted.
Shows: Published New Zealand home loan rates by lender and fixed term, with the lowest in each term marked.
A professional tool that compares realistic options and shows which one wins.
Which lender and loan structure costs the least?
For advisers: compares a standard split against an offset structure at each lender and finds the offset amount that keeps interest lowest.
Shows: A standard mortgage against an offset structure at each lender, with the offset amount that keeps interest lowest.
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