Financial Calculators
Free tools to help you plan your money. Built for New Zealand.
Rent Affordability Calculator
What your rent actually takes out of your pay, and what is left to live on.
46%
of your pay
$650
left per week
$28,600
rent per year
Housing is commonly considered a stretch above 30% of income. Above that, the rest of the budget has to absorb it.
Grocery Budget Calculator
What your shop costs per person, per month, and over a year.
$110
per person / week
$953
per month
$11,440
per year
Per-person cost is the number worth watching. It is the only way to compare a flat of four against a couple without the household size doing all the work.
Mobile Plan Cost Calculator
What your plan costs per year, and how much of it you are not using.
$480
per year
12GB
unused each month
$288
a year on unused data
Most people buy the plan they might need rather than the one they use. Check your last three bills for actual usage before switching.
Savings Calculator
See how your savings grow over time with compound interest.
$14,365
$13,000 contributed + $1,365 interest
House Deposit Calculator
How long until you can buy your first home in NZ?
You need to save
$90,000
At $300/week, that's 5.8 years (including $30,000 KiwiSaver withdrawal)
Coffee Cost Calculator
See what your daily coffee habit really costs over time.
$119
per month
$1,430
per year
$7,150
5 years
Subscription Audit
Toggle subscriptions off to see how much you'd save.
$115/mo
keeping
$456/yr
saving by cutting
Want to track your real spending?
Steady connects to your NZ bank and shows you where your money actually goes, no manual entry.
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