Free NZ mortgage calculator

Work out repayments — and how to pay it off faster.

Three quick tools: see what a new mortgage costs, what your current one is costing, and how much you'd save by paying a little more.

New mortgage repayments

Enter the loan amount, interest rate and term.

Loan amount ($)

Interest rate (% p.a.)

Term (years)

Principal & Interest

Monthly

Fortnightly

Weekly

Interest only

Monthly

Fortnightly

Weekly

Got a mortgage already? See the total cost over what's left.

Amount owing ($)

Current payment ($)

Payment frequency

Interest rate (% p.a.)

Years to go

—

Calculated from amount, payment, frequency & rate.

Total cost over remaining term

Total paid

principal + interest

Interest cost

over the remaining term

Per year

average yearly cost

See how much faster you'd be mortgage-free, and how much interest you'd save.

Increase each payment by ($)

Same frequency as your current payment above.

New fortnightly payment: $0

Your saving

This calculator gives you the maths. We do the rest — rates from 7+ lenders, KO & FHB pathways, refinance analysis.