Tools help us achieve our goals
with more confidence.
Financial goals are often much harder to achieve when you have no direction or insights into how and what you are doing. Being able to use your own information to find how far you are form your goals is key to staying motivated towards your financial goals.
Use our tools below to see where you are at and what you could achieve.
Our Tools
KIWISAVER VS MORTGAGE
BORROWING CAPACITY
MORTGAGE ACCELERATOR
KIWISAVER COMPARISON
THE CROSS OVER
When will your Kiwisaver be more than your mortgage?
Kiwisaver Check-in
Mortgage review
Mortgage
KiwiSaver
Person 1
Person 2
Projected result
Calculating…
Mortgage balance shown in red from age 65 onward — it isn't projected to be paid off by then.
| Year | Mortgage balance | KiwiSaver balance | Difference |
|---|
The mortgage is amortised monthly at a fixed rate over the remaining term. KiwiSaver contributions (yours, your employer's, and the government's if eligible) are added monthly and grown at your expected annual return, compounded monthly.
Assumptions. Rates, salary and contribution rates are held constant for the full projection — real mortgage rates reprice at each fixing, and salaries and KiwiSaver settings change over a working life. The government contribution assumes you're 18–65, a NZ resident, and contribute at least $1,042.86/yr; it's modelled as a smooth monthly amount rather than its actual annual payment. Your age is only used to mark 65 on the chart — it doesn't change the projection itself. This is a planning estimate, not financial advice.
Fund type returns. The five fund-type figures are 10-year annualised peer-group averages from the Morningstar KiwiSaver Survey, December 2025, mapped onto the industry's usual five risk bands (Defensive → Morningstar Conservative 4.2%, Conservative → Morningstar Moderate 5.0%, Balanced 6.9%, Growth 8.2%, High Growth → Morningstar Aggressive 9.5%), since Morningstar's own category names sit one band lower than the common naming. These are after fees but before tax — your actual after-tax return will typically be a little lower depending on your PIR. Past performance is not a guide to future performance.
Mortgage Accelertor
The largest expense you will have over your lifetime is the interest on your mortgage. using the right tools and structure to clear that, can save you years and thousands.
Loan details
Household budget
Standard repayment
Your potential savings
Loan balance over time
Principal vs interest — total paid
I want to pay my debt off faster
Talk to a mortgage expert to see how you can apply the tools and principles to clear your debt faster!
Borrowing Capacity
Calculator
Knowing your numbers before you start the home buying journey can save you a lot of guess work and also on the other end, give you some clarity on what you can actually achieve.
1Property type
2Deposit
3Your situation
4Household & expenses
5Other debts
Potential purchase price
How this is calculated
1. Net income: salary/wages are taxed using current NZ PAYE brackets plus the ACC earner levy, to estimate take-home pay. Other regular income and rental income (haircut to 75% of gross) are added on top.
2. Living expenses: the higher of what you declare or a standardised minimum benchmark: a base amount for the household, plus an amount for a second applicant, plus an amount per dependent child — the same structure banks use to floor declared expenses that look unrealistically low.
3. Existing debts: credit cards are loaded at 4% of the limit per month regardless of balance, plus any other loan, hire purchase or mortgage repayments you enter.
4. Serviceability test: your leftover income (UMI) is used to work out the largest loan repayable at the bank's stress-tested interest rate over your chosen term — not the advertised rate, a higher rate that builds in a buffer for future rises.
5. Debt-to-income (DTI) cap: RBNZ rules cap total debt (new loan + existing debt) at 6× gross income for owner-occupiers and 7× for investors. New builds are currently exempt. Your final estimate is the lower of the servicing-based and DTI-based figures.
I want to buy a house now
Talk to a mortgage expert to get your lending approved with the right lender based on your goals and situation.