Home loan calculators & guides

Our tips, guides and calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your next home. This is helping you on your home loan journey.
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You could win one of 15 $1,000 cash prizes

Buying your first home, your next home, an investment property or refinancing is an unfamiliar path for most. We've got the experts that can help you through the process.

Use one of the following calculators; repayments and structuring, first home buyer, next home or property investment, share your results with our home loan specialists between 1 February 2024 to 28 February 2024 to go into the draw to win one of 15 $1,000 cash prizes. Only Kiwi who don't currently have a home loan with Kiwibank are eligible for the prize draw. The 'borrow more' calculator is excluded. You may only enter the prize draw once.

Terms and conditions apply.

  1. 1
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    Use an applicable home loan calculator

    Compare different scenarios in one of the following calculators; repayments and structuring, first home buyer, next home or property investment calculators.

  2. 2
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    Complete the 'Talk to a specialist' form

    Share your results with our home loan specialists by clicking the 'Talk to us' button at the bottom of the calculator, then fill in your details on the form. One of our specialists will be in touch.

  3. 3
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    You're in the draw

    You're in the draw to win one of 15 $1,000 cash prizes. Good luck!

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Repayments & structuring calculator

Use our repayments and structuring calculator to compare different term loan structures, interest rates and repayment amounts.