Can I Afford
This...?
NZ's best affordability calculator. Using real economic data to help YOU decide whether you should make that big ticket spend.
Start with MortgageChoose a module
Can you afford that listing? Get the full picture — rates, stress tests, job stability, and real ongoing costs.
Finance, insurance, WOF, fuel and registration — the real cost of owning a car in NZ.
Slip fees, insurance, maintenance and financing — is your dream boat actually affordable?
Total trip cost including hidden fees, insurance, and impact on your savings rate.
Full NZ wedding cost analysis — venue, catering, photography, and realistic budget planning.
Why does this exist?
Banks are incentivised to lend
Online mortgage calculators are usually hosted by banks. Their job is to make borrowing look easy, not to give you the full picture.
Broker tools are hidden
Mortgage brokers use sophisticated scenario-modelling tools behind closed doors. Their clients rarely see the stress-test output or worst-case projections.
You deserve the full picture
We factor in OCR cycles, job stability, ongoing ownership costs, and crisis scenarios — so you know exactly what you're committing to.