Free NZ tools
7 calculators.All in New Zealand dollars.
Rent, groceries, mobile plans, savings, a house deposit, the coffee habit and the subscriptions you have stopped noticing. Drag a slider and the answer moves. No sign-up, no email, nothing saved.
01 · Rent
Rent Affordability Calculator
Free NZ rent affordability calculator. See what share of your take-home pay your rent takes, and what's left to live on each week.
Left to live on each week
$650
Rent takes 46% of your take-home pay, above the 30% commonly used as a housing-affordability guideline, so the rest of the budget absorbs it.
- 46%
- of your pay
- $28,600
- rent per year
The number that matters isn't the rent, it's the share of your pay it takes. A $600 week on $1,800 take-home is a different life from $600 on $1,100, and only one of them leaves room for everything else.
Rent Affordability: the full guide02 · Groceries
Grocery Budget Calculator
Free NZ grocery budget calculator. Work out what your shop costs per person, per month and per year.
Per person, per week
$110
$220 a week for 2 people, or $11,440 a year.
- $220
- per 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.
Groceries are the biggest flexible cost in most NZ households, which makes them the first place people look when money is tight. The trouble is that the weekly number on its own tells you very little.
Grocery Budget: the full guide03 · Mobile
Mobile Plan Cost Calculator
Free NZ mobile plan calculator. See what your plan costs a year, and how much you're paying for data you never use.
A year on data you never touch
$288
12GB of your 20GB goes unused each month, on a plan costing $480 a year.
- $480
- plan per year
- 12GB
- unused monthly
Most people buy the plan they might need rather than the one they use. Check your last three bills for actual usage before switching.
Mobile plans are priced monthly and judged monthly, which is exactly why they escape scrutiny. Forty dollars a month doesn't feel like a decision. Four hundred and eighty a year does.
Mobile Plan Cost: the full guide04 · Savings
Savings Calculator
Free NZ savings calculator. See how your weekly savings grow with compound interest over time. Built for New Zealand savers.
After 5 years you would have
$14,365
$13,000 of it is your own money. The other $1,365 is interest.
- $217
- a month
- $13,000
- contributed
- $1,365
- interest
Compound interest is the engine behind every savings goal, your interest earns interest, and over years that snowballs. This calculator shows what consistent weekly saving turns into at a given rate.
Savings: the full guide05 · Deposit
House Deposit Calculator
Free NZ house deposit calculator. Work out how long until you can buy your first home, including your KiwiSaver withdrawal.
Time to your deposit
5.8 years
$90,000 still to save at $300 a week, after a $30,000 KiwiSaver withdrawal.
- $120,000
- deposit needed
- $90,000
- left to save
- 300
- weeks
Most first-home buyers in New Zealand aim for a 20% deposit, though some lenders and the First Home Loan scheme allow less. This calculator shows the deposit you'll need and how long it takes at your savings pace.
House Deposit: the full guide06 · Coffee
Coffee Cost Calculator
Free calculator: see what your daily coffee really costs over a month, a year, and five years in NZ dollars.
Your coffee habit, a year at a time
$1,430
That is $28 a week, and $7,150 over five years.
- $28
- per week
- $119
- per month
- $7,150
- 5 years
Nobody is telling you to stop. The point is knowing the number, so the choice is a choice rather than a leak.
A $5.50 flat white doesn't feel like much, until you multiply it out. This calculator shows the monthly, yearly, and five-year cost of your coffee habit so you can decide if it's worth it (often it is, this isn't about guilt).
Coffee Cost: the full guide07 · Subscriptions
Subscription Audit
Free subscription audit tool. Toggle your NZ subscriptions off to see exactly how much you'd save each month and year.
Cutting the ones you switched off saves
$456 a year
You would keep $115 a month of subscriptions, down from $153.
- $115/mo
- keeping
- $38/mo
- cutting
Subscriptions are the classic silent leak, a few dollars here, $20 there, and suddenly it's $150 a month you barely notice. This tool lets you toggle each one off to see the annual saving instantly.
Subscription Audit: the full guideWorth saying
What a calculator cannot tell you
- It only knows what you type
- Every figure above is one you supplied. A rent number you are guessing at, or a grocery spend you have rounded down, produces a confident answer to the wrong question.
- It cannot see the rest of your month
- A savings plan that works on its own can still fail in the fortnight the rates instalment and the car service land together. A calculator has no way to know that; your bank account does.
- It does not follow up
- You close the tab and the answer goes with it. Nothing checks in three months from now whether the thing you worked out actually happened.
The same maths, on the numbers you did not have to type
Steady connects to your NZ bank and runs this arithmetic on what is actually in your account, every day, without you opening anything.