NZ Home Ownership Calculators

Your Money Blueprint

About this app

NZ Home Ownership Calculators brings together a growing suite of practical tools for New Zealanders working towards buying and owning a home.

Built around how buying a home actually works here — the Reserve Bank's debt-to-income limits, low-equity lending, and the deposit and buyer schemes available in New Zealand — rather than generic overseas models.

WHAT CAN I AFFORD?
Work out the maximum you can realistically spend on a home based on your income, savings and ownership costs, and see how much you could borrow under the Reserve Bank's debt-to-income lending limits for owner-occupiers.

SAVING YOUR DEPOSIT
Work out how much to save each month to hit your deposit goal by a target date — or, coming at it the other way, how old you'll be by the time you've saved enough for the home you want.

RENT OR BUY?
Compare the long-term financial outcome of renting versus buying, so you can weigh up the decision with real numbers rather than rules of thumb.

BUYER SCHEMES & LOW-DEPOSIT OPTIONS
Explore how low-deposit and shared-ownership pathways compare against saving a larger deposit or taking a standard low-equity mortgage, so you can see the real trade-offs of buying sooner.

OWNING YOUR HOME
Weigh up solar panels — how long they take to break even, and how that compares to investing the same money — and model whether a low-rate green loan for energy upgrades beats paying cash.

WHO IT'S FOR
First-home buyers and anyone saving towards a home — working out affordability, building a deposit, deciding whether to rent or buy, or weighing up low-deposit schemes.

IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial advice or recommendations, and they don't recommend any particular lender, scheme or product. Results depend on the assumptions you enter and are estimates only. For advice specific to your situation, speak with a licensed financial adviser or mortgage adviser.

Built in New Zealand by a licensed financial adviser.