Free Tool
NZ Borrowing Power Calculator
Estimate how much you can borrow for a home loan in New Zealand. We apply the current NZ income tax rates, ACC levy, and RBNZ debt-to-income rules — the same numbers your bank uses.
Your Details
Before tax. Individual income only.
Children or dependants in your household.
Rent, groceries, transport, utilities, subscriptions, etc.
Car loans, student loans, credit cards, etc.
Enter your income and expenses above to see your borrowing power.