Calculator

Home Loan Comparison Calculator

Compare mortgage offers side-by-side including cash contributions and legal fee incentives. See the true cost of each home loan option.

Principal Amount ($)

Annual Interest Rate (%)

Time Period (Years)

Monthly Contribution ($)

Loan Amount ($)

Interest Rate (%)

Loan Term (Years)

Deposit Amount ($)

Interest Rate (%)

Term (Months)

Target Amount ($)

Current Savings ($)

Monthly Contribution ($)

Expected Return (%)

Current Balance ($)

Annual Interest Rate (%)

Minimum Payment (%)

Minimum Payment ($)

New Monthly Spending ($)

Your Current Age

Retirement Age

Current Savings ($)

KiwiSaver Balance ($)

Monthly Contribution ($)

Expected Annual Return (%)

Desired Annual Retirement Income ($)

Remaining Loan Balance ($)

Your Fixed Rate (%)

Today's Rate (%)

Months Remaining on Fixed Term

Your Details

Loan Amount ($)

Loan Term (Years)

Offer A

Interest Rate (%)

Cash Contribution ($)

Legal Contribution ($)

Monthly Fee ($)

Annual Fee ($)

Offer B

Interest Rate (%)

Cash Contribution ($)

Legal Contribution ($)

Monthly Fee ($)

Annual Fee ($)

Amount

From

Annual Salary Before Tax ($)

Your Contribution Rate

Current Age

Retirement Age

Current KiwiSaver Balance ($)

Fund Type

Contributions breakdown:
Your annual contribution: $2,450 | Employer (3.5%): $2,450 | Government (max $260.72/yr): $260.72
If you earn over $180,000, you won't receive the government contribution.

+ Assets — Things you own

Your home ($)

Other property & land ($)

KiwiSaver ($)

Shares & managed funds ($)

Savings & term deposits ($)

Trusts & family interests ($)

Business value ($)

Vehicles, boat, caravan ($)

Other investments ($)

Other assets ($)

− Liabilities — Things you owe

Mortgage on home ($)

Investment property loan ($)

Personal loan ($)

Car loan ($)

Student loan ($)

Credit card & store card debt ($)

Hire purchase ($)

Buy-now-pay-later ($)

Business loan ($)

Other debt ($)

Your Age Group

Select your age group to compare your net worth against the Stats NZ median for your age band.

EV Model

WLTP Range (km)

Usable Battery (kWh)

Temperature

Driving Style

Battery State of Health (%)

EV Model

EV Efficiency (Wh/km)

Electricity Price ($/kWh)

RUC Rate ($/1,000 km)

Distance Per Year (km)

Petrol Car Efficiency (L/100km)

Petrol Price ($/L)

EV Model

Usable Battery (kWh)

Home Charger Power

Starting Charge (%)

Target Charge (%)

Electricity Price ($/kWh)

Off-Peak Price ($/kWh, optional)

Final Balance

Total Contributions

Interest Earned

Monthly Payment

Total Repaid

Total Interest

Deposit Amount

Interest Earned

Maturity Value

Total Assets

Total Liabilities

Your Net Worth

Data sourced from Stats NZ Household Economic Survey, year ended June 2024 — latest available figures.

0 km

Estimated Real-World Range

0 km

WLTP (Claimed) Range

0 Wh/km

Estimated Efficiency

$0/yr

EV Annual Running Cost

$0/yr

Petrol Annual Running Cost

$0/yr

Annual Saving with EV

EV (per 100 km)

Electricity: $0

RUC: $0

Total: $0

Petrol (per 100 km)

Fuel only: $0

EV efficiency: 0 Wh/km

0 kWh

Energy Needed

0 hrs

Home Charge Time

Home Charge Cost

Home Charging

At 7.4 kW: 0 hrs

Cost: $0

Off-peak cost: $0

Public DC Fast Charge (50 kW)

Time: 0 hrs

Cost: $0 (at $0.70/kWh)

Months to Goal

Total Saved

Months to Pay Off

Years

Total Interest Paid

Total Amount Paid

Original Balance

Projected Savings at 65

$0/yr

Safe Annual Income (4% Rule)

—

Status

Estimated Break Fee (IRD)

$150

Admin Fee

Total Estimated Cost

Offer A

$0/mo

Monthly Payment

Total Cost Over Term

Offer B

$0/mo

Monthly Payment

Total Cost Over Term

Better Offer

Rate: 1 USD = — NZD

Projected Balance at Retirement

$0/yr

Safe Annual Income (4% Rule)

Total Investment Returns

Your Contributions

Employer Contributions

Government Contributions

Show year-by-year breakdown

Age	Year	Your $	Employer $	Govt $	Returns	Balance

This calculator is for illustrative purposes only and does not constitute financial advice.

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Mike Whittaker Mortgages

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Mike Whittaker Mortgages is an award-winning mortgage advisory service. They compare rates and terms across multiple lenders, helping clients compare home loan options and find the best structure for their needs.