About HomeCalcs

HomeCalcs is a free suite of mortgage and property calculators built specifically for New Zealand. It covers 13 tools in one place: borrowing power, rental yield, KiwiSaver first home withdrawal, break fee estimation, repayment frequency comparison, equity unlock, deposit tracking, mortgage split, refix comparison, overpayment impact, stress testing and selling cost calculations. All of it runs in your browser with no account required.

It is built for Kiwi homeowners, first home buyers, investors and anyone navigating the NZ property market. Generic calculators from overseas often use different rules, different rate assumptions and different terminology. HomeCalcs is built around how mortgages and property actually work in New Zealand.

It is free because good financial tools should be available to everyone, not just people who can afford an adviser for every small question. The site is supported by unobtrusive advertising, which keeps it running at no cost to you. The calculators are for guidance only and do not constitute financial advice. Always talk to a qualified adviser before making significant decisions.

HomeCalcs is built and maintained by Rose Venture Labs, a New Zealand-based venture builder focused on simple, useful products that solve real problems.