Savings Calculator
Free NZ savings calculator. See how your weekly savings grow with compound interest over time. Built for New Zealand savers.
Savings Calculator
See how your savings grow over time with compound interest.
$14,354
$12,990 contributed + $1,364 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.
Rates move, so try a few. NZ on-call savings accounts sit lower than term deposits, and a notice saver usually beats both. The point isn't to predict the future exactly — it's to see that the weekly habit matters far more than chasing the perfect rate.
Frequently asked questions
How is compound interest calculated?
Interest is added to your balance each period, then the next period's interest is calculated on the new, larger balance. This calculator compounds monthly on your weekly contributions.
What savings rate should I use for NZ?
As a rough 2026 guide: on-call savings ~1–3%, notice savers ~3–4%, term deposits ~4–5%. Use your account's actual rate for the most accurate result.
Want this tracked automatically?
Steady connects to your NZ bank and does the maths for you — no spreadsheets, no manual entry.
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