Your Money Blueprint

Your Money Blueprint brings 113 New Zealand money calculators into one clean, private app. No accounts, no sign-ups, and nothing you enter ever leaves your phone. Search every calculator from any tab, or browse by goal. PROPERTY Work out how much house you can afford, whether to rent or buy, and when your KiwiSaver and savings will cover a deposit. Compare mortgage rates and bank offers, check break fees and rate changes, see which fixing strategy has worked best since 2005, model extra repayments to be mortgage-free sooner, and weigh up debt recycling, a rental investment or solar panels. RETIREMENT Project your KiwiSaver and savings to 65 and beyond, estimate your NZ Super, see how long your money will last, and plan how to draw it down. Compare reverse mortgages and Lifetime Home, the cost of a retirement village or rest home care, and annuities. Chasing financial independence? Map your FIRE number, your coast point and your timeline. INVESTING See what fund and platform fees really cost you, compare Sharesies, Kernel and Hatch, work out your true return, your PIR and FIF tax, rebalance your portfolio and stress-test it. Explore share market history back to 1871: market timing, the Shiller P/E, lump sum vs drip-feeding, and market concentration. INCOME & TAX Find your real take-home pay including PAYE, ACC, KiwiSaver and student loan, or the pre-tax income you'd need. Check your tax code, a second job or contracting rate, GST, FamilyBoost and paid parental leave, and whether returning to work pays. EVERYDAY Set savings goals, compare term deposits, see the real cost of spending and of delaying, get debt-free faster with the snowball or avalanche method, and compare power plans and credit card rewards. Work out the true cost of a car, road user charges and trip fuel, how much insurance you need, and your own inflation rate. Everything is tuned to New Zealand. Real tax brackets, ACC levies, KiwiSaver rates, NZ Super and thresholds, and kept up to date. These calculators are for general information and education only and are not personalised financial advice. Built in New Zealand by a licensed financial adviser.