What your mortgage actually costs
Rate, term, structure — three variables with an enormous impact on your total interest bill. Change any one and see the difference. Standard mortgage calculator — repayment amount, total interest, and time to debt-free across scenarios, including a "what if I paid $200 more per month?" toggle.
Your repayment
$0.00
Loan amount
$0
Repayments
0
Interest payable
$0
Total payable
$0
With that extra payment
Debt-free in 0 years — saves $0 interest
These numbers give you the lay of the land. We give you a strategy to act on them.
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What's your home worth to your next move?
If you've owned for a few years, you probably have more accessible equity than you realise. Inputs: estimated property value, current mortgage balance. Output: accessible equity, what it could purchase, and refinancing options.
Borrowing power
$0
Equity
$0
Usable equity
$0
Most homeowners underestimate their equity position. Find out yours.
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Your income if you can't work
Income protection is only useful if it covers the right amount. See your real income gap in under a minute.
Most people are shocked by this number. Most policies on the market don't cover enough of it.
Monthly shortfall if income stopped tomorrow
$0
Weeks your savings would cover
0
Est. monthly premium to close the gap
$0
Illustrative estimate, not a quote. Real premiums depend on health, age, and cover type.
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What's your rental property's real cashflow?
Rent income looks great on paper — until the mortgage, rates, and management fees come out. See your actual weekly cashflow before you buy.
Cashflow — not yield — is what determines whether an investment property is actually sustainable.
Cashflow per week
$0
Annual cashflow
$0
Gross rental yield
0%
Weekly mortgage repayment
$0
Annual operating expenses
$0
Assumes typical rates, insurance, management, and maintenance costs — your real numbers may vary. Not a substitute for full due diligence.
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Your KiwiSaver at 65
Small changes in contribution rate and fund type make enormous differences over time. See yours.
The difference between the right fund and the default one can be $150,000 or more by retirement.
Fund A (current)
Fund B (comparison)
Difference in balance at retirement
$0
Fund A balance
$0
Fund B balance
$0
Weekly income difference in retirement
$0
After tax (PIR), after government contribution, not inflation adjusted. Weekly income difference assumes a 4% annual drawdown.
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Got a number? Now let's do something with it.
Calculators give you context. We give you a plan. Book a free call and we'll turn your numbers into next steps.