Free Short-Term Rate Decision Calculator for New Zealanders
Decide between 6-month, 1-year, and 2-year fixed rates. Plug in today's rates and your view on where rates are headed, and see the total interest cost for each option over a 24-month horizon.
Your loan and rates
$650,000
$
6.85%
%
6.50%
%
6.20%
%
5.80%
%
Lowest expected cost
6-month fix
over the next 24 months
Based on a $650,000 loan and an expected rate of 5.80% in 6-12 months.
Cost: 6-month fix then re-fix at expected rate × 3$80,925
Cost: 1-year fix then 1-year at expected rate$80,275
Cost: 2-year fix locked$80,600
About our Short-Term Rate Decision 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.