A BIGGER PICTURE FOR NEW ZEALAND
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FINANCIAL TOOLS / Home & lending

Mortgage repayments

Explore a monthly repayment and the interest paid over a loan’s life.

Make it your own

Start with an example, then change any value. Enter 0 for none; a blank field cannot be calculated. All money amounts are NZD.

Your entries stay in this calculator. They are not saved or sent anywhere.

Your estimate

Scheduled monthly repayment

$3,597.30

Plus $0.00 extra each month. Estimated repayment time: 30 years.

Total interest
$695,029.13
Total repayments
$1,295,029.13
Balance remaining
$0.00
Illustrative amounts over time, in NZDToday: $600,000.00. Year 30: $0.00. All chart values are available in the expandable text list below.$600K$0TodayYear 30
Illustrative amounts in NZD. Engine-provided chart points may be rounded to whole dollars; headline figures use the engine’s summary precision.
View all chart values
Today
$600,000.00
Year 1
$592,632.00
Year 2
$584,809.00
Year 3
$576,504.00
Year 4
$567,687.00
Year 5
$558,326.00
Year 6
$548,388.00
Year 7
$537,836.00
Year 8
$526,634.00
Year 9
$514,741.00
Year 10
$502,114.00
Year 11
$488,709.00
Year 12
$474,477.00
Year 13
$459,367.00
Year 14
$443,325.00
Year 15
$426,293.00
Year 16
$408,211.00
Year 17
$389,014.00
Year 18
$368,633.00
Year 19
$346,994.00
Year 20
$324,022.00
Year 21
$299,632.00
Year 22
$273,738.00
Year 23
$246,246.00
Year 24
$217,060.00
Year 25
$186,073.00
Year 26
$153,174.00
Year 27
$118,247.00
Year 28
$81,165.00
Year 29
$41,797.00
Year 30
$0.00

What this estimate assumes

  • Principal and interest are paid monthly, at month end. The nominal annual rate is divided by 12 and held constant.
  • Extra repayments reduce principal without lowering the scheduled payment. No fees, rate changes, interest-only periods or early-repayment charges are included.
  • This is a repayment estimate, not a lending offer or an assessment of affordability.

For information only, not financial advice. These simplified estimates do not consider your full circumstances. Assumed rates are not forecasts or guaranteed returns. Talk to a financial adviser before making financial decisions.

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