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steady.nz

First-home deposit — sorted by city

Your first NZ home — closer than you think.

The free deposit calculator + early access to Steady. Set your target, watch it move every payday.

  • Real 2026 deposit numbers — Auckland, Wellington, Christchurch, Hamilton, Tauranga
  • First Home Grant + KiwiSaver withdrawal explained without the bank-speak
  • Watch your deposit grow week by week (this is the bit that keeps you going)
  • Steady tells you when you'll cross the line — to the actual month
Why join the waitlist?

We're in a limited soft-launch while our open-banking accreditation is finalised, inviting people in waves. Most of the list gets access within a few weeks, and joining now locks in founding-member pricing.

Free at launch. Plus $6.50/month for the first 3 months, then $$12.99. Family $$19.99/month for up to 5.

By joining you agree to receive launch updates and tips from Steady. You can unsubscribe any time. See our Privacy Policy.

Free to start. Built in NZ. Connects to your bank securely.

Inside the app

What buying your first home actually looks like in Steady.

  1. 1

    One number that means something

    Tell Steady your city and how much house you want. It tells you the real deposit you need (after First Home Grant and KiwiSaver) — not some scary round number from a bank ad.

  2. 2

    A bar that fills up

    Every time you save, every time payday hits, Steady moves the bar. "You're 38% there. 17 months to go at this pace." Speed up? It updates. Slip a month? It tells you.

  3. 3

    Tax-time + KiwiSaver, simplified

    When you're ready to use your KiwiSaver, Steady walks you through the withdrawal in plain English. No phone-tag with the provider, no guessing what a "first home buyer" means.

Saving for a first home in NZ is a 3–5 year project. The Kiwis who actually finish are the ones who can see it move every week.

Or see the full Steady tour →