Whether you are stepping into the market for the first
time or are a seasoned investor, our calculators are designed to provide
personalised insight into your finances. Navigate effortlessly through mortgage
calculations, tax estimations and rental yield equations, all tailored to the Kiwi
property market. As you explore various scenarios our tools adapt, ensuring
you're equipped with up-to-date data that echoes market dynamics. This is where
simplicity meets sophistication - enabling you to make informed decisions with
confidence. Join the multitude of Kiwis who trust realtor.co.nz to demystify
the numbers behind property dealings, solidifying your path to wise investments
and successful transactions. This calculator suite is provided as part of our partnership with Calculate.co.nz.
Advanced
Mortgage Calculator
Navigate complex mortgage scenarios, comparing different
interest rates and payment plans. Ideal for evaluating mortgage options and
planning future repayments.
Borrowing
Capacity Calculator
Assess your potential loan amount based on income,
expenses and current interest rates. Provides insight into how much you might
be able to borrow for property purchases.
Debt
Service Ratio Calculator
Calculate your debt service ratio to understand the
portion of income dedicated to debt repayments. This is vital for assessing
financial health and loan affordability.
First-Home
Buyer Calculator
Designed for first-time buyers, this tool helps estimate
the costs and savings needed for a first home purchase.
Historical Rates Analysis Calculator
Analyse the impact of historical interest rate changes on
your mortgage, helping you understand market trends and future rate
fluctuations.
Interest Only Mortgage Calculator
Estimate monthly payments for an interest-only mortgage,
focusing on interest payments without reducing the principal.
KiwiSaver Calculator
The KiwiSaver Calculator helps predict retirement
savings. This is an essential tool for New Zealand residents to plan their
KiwiSaver contributions and investments.
Loan
to Value Calculator
Determine the loan-to-value ratio of your property, a
crucial factor in loan approval and interest rate determination.
LVR Lending Capacity Calculator
Estimate your lending capacity based on the loan-to-value
ratio - essential for understanding potential loan offers.
Mortgage
Break Fee Calculator
Assess potential fees for early mortgage repayment. This
is important for homeowners considering refinancing or selling.
Mortgage
Budget Calculator
Plan your budget by estimating monthly mortgage payments
based on loan amount, interest rate and loan term.
Mortgage
Comparison Calculator
Side-by-side comparison of different mortgage options,
including interest rates and repayment terms, to find the best mortgage plan.
Mortgage Effective Interest Rate Calculator
Determine your mortgage's effective interest rate,
considering the nominal rate and compounding frequency.
Mortgage Interest Rate Comparison Calculator
Compare various mortgage interest rates to understand
their impact on total interest cost and monthly payments.
Mortgage
Refinance Calculator
Evaluate the benefits and costs of refinancing your
mortgage, including potential savings or added costs.
Mortgage
Repayment Calculator
Calculate regular mortgage repayments, providing clarity
on repayment duration and total interest payable.
Mortgage Term Payment Comparison Calculator
Compare payments over different mortgage terms to see the
effect of term length on monthly payment and total interest.
Mortgage Short Term Interest Rate Decision Choice Calculator
The Short Term Interest Rate Decision Choice Calculator is designed to assist users in evaluating various short-term mortgage tranche scenarios.
PAYE Calculator
Easily calculate your PAYE tax deductions in New Zealand
for accurate tax compliance.
Principal Payback Milestone Calculator
Track your mortgage principal repayment progress and key
payback milestones.
Property Capitalisation Rate Calculator
Assess the potential return on investment of your
property using the capitalisation rate - a vital metric for investors.
Property Capital Value Change Calculator
Estimate changes in your property's capital value over
time, helping you understanding market trends and appreciation.
Property
New Build Calculator
Estimate the comprehensive cost of building a new
property in New Zealand, including site preparation, construction materials and
legal fees.
Rent
Affordability Calculator
Determine affordable rent based on your income to help
you find a financially suitable rental property.
Rental Yield and Investment Calculator
Designed to calculate the rental yield of a property, a
key metric for investors to assess the profitability of a rental property.
Real Estate Commission Calculator
Calculate the commission payable on real estate
transactions - essential for budgeting in property sales.
Simple Mortgage
Calculator
Quickly calculate monthly mortgage payments for
straightforward and easy mortgage planning.
YTD Earnings Calculator
Use our YTD Earnings Calculator to easily forecast your annual income from your latest payslip, enabling smarter financial planning with accuracy and confidence.
Audio option for accessibility.
