Free Mortgage Budget Calculator for New Zealanders
See your weekly, fortnightly or monthly mortgage repayments as a portion of your take-home pay, and check the standard 30% affordability guideline most banks use.
Your loan and income
$650,000
$
6.50%
%
30 years
years
$6,500
$
Mortgage as % of take-home
63%
above the 30% guideline
Based on a $650,000 loan at 6.50% over 30 years, against $6,500/month take-home pay.
Monthly repayment $4,108
30% guideline ceiling $1,950
Left for everything else $2,392
About our Budget Calculator
Disclaimer: This calculator is for information only and does not constitute financial advice. Real-world figures may differ due to fees, rounding, rate changes, and policy specifics. Always confirm figures with the relevant provider before signing anything.