Compounding works in both directions
The same maths that grows your KiwiSaver also grows the interest you owe on a loan. Small differences in rate, term, or contribution amount compound into huge differences over decades.
NZ Finance Calculators
Loans and repayments, saving and investing, business analysis, and the day-to-day money calculations. 49 calculators covering everything from compound interest to NPV.
Loans and repayments
Repayments on every kind of loan that is not a mortgage: car, personal, business, education, hire purchase.
Car Loan
Weekly, fortnightly or monthly repayments on a car loan in NZ.
Open calculatorPersonal Loan
Repayments on an unsecured personal loan at any rate and term.
Open calculatorBusiness Loan
Repayments on a small-business loan, including interest-only options.
Open calculatorBoat Loan
Repayments on a boat or marine loan over a typical 5-15 year term.
Open calculatorVehicle Loan
Repayments on any vehicle loan: car, ute, motorbike, caravan.
Open calculatorEducation Loan
Repayments on a private education loan (separate from IRD student loans).
Open calculatorHoliday Loan
Repayments on a short-term loan for travel.
Open calculatorWedding Loan
Repayments on a loan to fund a wedding.
Open calculatorHire Purchase Cost
Total cost of a hire purchase agreement compared to the cash price.
Open calculatorLoan Comparison
Compare two loans side-by-side on rate, term and total interest.
Open calculatorLoan Amortisation Schedule
Full amortisation schedule showing principal vs interest in every payment.
Open calculatorLoan Payment Count
How many payments are left until the loan is paid off.
Open calculatorDebt Consolidation
Roll multiple debts into one and see if the total cost goes down.
Open calculatorDTI
Your debt-to-income ratio against the current RBNZ DTI limits.
Open calculatorSaving and investing
Compound interest, term deposits, retirement projections, and the time-value-of-money tools.
Compound Interest
Future value of a starting balance plus regular contributions at a given return.
Open calculatorTerm Deposit
Total value of a term deposit at maturity, after PIE/RWT tax.
Open calculatorRetirement
Project your retirement income from KiwiSaver, super and savings.
Open calculatorInvestment
Future value of an investment portfolio with regular contributions.
Open calculatorNet Worth
Your total assets minus total liabilities, including KiwiSaver and home equity.
Open calculatorEmergency Fund
How much you need in an emergency fund based on monthly expenses.
Open calculatorFuture Value of Annuity
Future value of regular payments at a given rate over a given term.
Open calculatorPresent Value of Annuity
Today's value of a stream of future payments.
Open calculatorYield to Maturity
YTM on a bond given price, coupon rate and time to maturity.
Open calculatorCAGR
Compound annual growth rate from a starting and ending balance.
Open calculatorInflation
Future buying power of today's dollar based on a given inflation rate.
Open calculatorCurrency Converter
Convert between NZD and major world currencies at the live rate.
Open calculatorBusiness finance and analysis
ROI, NPV, IRR, WACC and the standard tools for evaluating projects, companies and pricing.
ROI
Return on investment for a project, asset or marketing spend.
Open calculatorNPV
Net present value of a project given cashflows and a discount rate.
Open calculatorIRR
Internal rate of return: the discount rate that makes NPV zero.
Open calculatorWACC
Weighted average cost of capital across debt and equity.
Open calculatorCAPM
Required return on equity using the Capital Asset Pricing Model.
Open calculatorAsset Turnover Ratio
Revenue per dollar of assets, a measure of asset efficiency.
Open calculatorEBIT
Earnings before interest and tax from your P&L.
Open calculatorEBITDA
EBIT plus depreciation and amortisation, a common cashflow proxy.
Open calculatorEBT
Earnings before tax: EBIT minus interest expense.
Open calculatorGross Margin
Gross profit as a percentage of revenue.
Open calculatorProfit Margin
Net profit margin and operating margin from your numbers.
Open calculatorSelling Price
Set a sell price from cost plus a target markup or margin.
Open calculatorDiscount
Discounted price and amount saved at any percentage off.
Open calculatorDepreciation
Straight-line and diminishing-value depreciation on business assets.
Open calculatorPrice Elasticity of Demand
How sensitive demand is to a change in price.
Open calculatorPrice Elasticity of Supply
How sensitive supply is to a change in price.
Open calculatorDigital Ad Break Even
CPM, CPC or ROAS break-even for a digital ad campaign.
Open calculatorPersonal budget and lifestyle
The day-to-day money tools: disposable income, bills, flatting, groceries, moving costs.
Disposable Income
What you have left each month after fixed costs and essentials.
Open calculatorBill Split
Split a bill or shared expense fairly between any number of people.
Open calculatorCost of Living Comparison
Compare cost of living between NZ cities or against overseas locations.
Open calculatorFlatting Costs
Total weekly cost of flatting including rent, power, internet and groceries.
Open calculatorGrocery Budget
Realistic weekly grocery spend by household size and income.
Open calculatorMoving Costs
Total cost of moving house including movers, deposits and connections.
Open calculatorA few money fundamentals worth knowing
RWT and PIE tax on savings
Interest from term deposits and bank accounts is taxed at your Resident Withholding Tax rate. PIE funds (most KiwiSavers and many managed funds) are taxed at your Prescribed Investor Rate, capped at 28%.
Inflation eats fixed returns
A 5% return at 3% inflation is a 2% real return. The inflation calculator shows how purchasing power changes over time.
NPV vs IRR
NPV tells you whether a project creates value at your cost of capital. IRR tells you what rate of return the project earns. They usually agree, but not always: NPV is the more reliable single number.
The 50/30/20 budget rule
A common starting point: 50% of take-home pay for needs, 30% for wants, 20% for savings or debt repayment. The disposable income calculator helps you see where you actually sit.
The DTI rules
The Reserve Bank caps total debt at 6 times income for owner-occupiers (with a 20% speed-limit) and 7 times for investors. The DTI calculator shows your current ratio.