Downloadable NZ Mortgage & Property Calculators

Every sheet in the Stack is a downloadable Excel calculator — the exact one our advisers use in client meetings. Request the Stack in the form above and all eight arrive together in one email. Here's what each one actually does and who it's for.

For homeowners

The sheets below do the maths; for the bigger picture, start with our home owner guide.

Usable Equity

Your paper equity and the equity a bank will let you borrow against are two different numbers. This sheet works out how much you can genuinely access for a top-up, renovation or your next purchase.

Offset or Revolving Credit

Both structures put your savings to work against the mortgage, but they suit different money habits. Compare offset against revolving credit on your actual balances and see the interest saved and the time cut from your loan with each.

Mortgage Free Faster

Small, regular extra repayments quietly remove years from a mortgage. Model extra payments, lump sums and shorter terms on your actual loan and watch the mortgage-free date move.

Refix Planner

Your fixed term is ending and the bank has emailed a rate. Before you accept it, run the options: refix terms, splitting the loan, and what a restructure would save — so the renewal is a decision, not a default.

Debt Consolidation

Rolling a car loan or credit cards into the mortgage usually drops your weekly outgoings, but it can stretch short debts over decades. This sheet shows both sides: the repayment relief now and the total interest over the full term.

For property investors

Deep in the numbers? The property investor guide covers the strategy these sheets support.

Pay Down or Invest

Spare cash each month: extra mortgage repayments or invest it? This sheet puts the guaranteed return of paying down debt next to investing over your timeframe. It's the most requested calculator we have.

Investor Cashflow

What does a rental actually cost to hold each week once rates, insurance, management and maintenance join the mortgage? This sheet gives you the true weekly position, not the brochure yield.

For first home buyers

Buying your first place? The first home buyers guide walks the whole journey; this sheet handles the sums.

First Home & Mortgage Cheatsheet

The full first-home picture in one workbook: deposit targets, KiwiSaver withdrawal, what banks test you at, and the costs nobody mentions until settlement. Built for your first serious planning session.

All eight arrive together — request the Stack in the form above and it's in your inbox in minutes.

Prefer to calculate online?

Our online calculators run in your browser — no download needed — on New Zealand's current lending numbers, reviewed every Monday: bank test rates, DTI and LVR limits, living costs and more.

• Bookmark it: the always-current figures live at /online-calculators/.
• Using ChatGPT or Claude? Add our free skill so your AI always pulls the latest numbers — download the skill.
• Developers & agents: grab the machine-readable JSON feed.