LiftOff / Calculators
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Home Deposit Savings
How long until you can buy? Enter your target property, savings rate, and any KiwiSaver or HomeStart grant to see exactly when you'll hit your deposit goal.
KiwiSaver Projector
Forecast your KiwiSaver balance at retirement. Adjust your contribution rate and fund type to see how small changes compound over decades.
OpenInvestment Growth
Project how a lump sum and regular contributions grow over time. Understand the real power of compounding returns.
OpenInvestment vs Property
Compare long-run wealth outcomes from investing in shares versus buying an investment property with the same capital.
OpenRetirement Income
Plan how long your savings will sustain your lifestyle in retirement, factoring in NZ Super and your investment returns.
OpenDebt Repayment
Find the fastest, cheapest path to debt freedom. Compare the avalanche and snowball methods across up to four debts.
OpenMortgage Calculator
Understand the true cost of your home loan. See your repayments split between principal and interest, and how quickly your debt reduces over time.
OpenBudget Planner
Map your income against your expenses to see exactly where your money goes each month — and how much you have left over.
OpenNet Worth Calculator
Your financial snapshot in one number. Add up what you own and what you owe to see exactly where you stand today.
OpenEmergency Fund
How much should you hold in cash for unexpected events? Get a personalised target based on your expenses, employment type, and household situation.
OpenPAYE Income
See exactly what lands in your bank account after PAYE, KiwiSaver, student loan, and ACC — in your preferred pay frequency.
OpenDCA vs Lump Sum
Should you invest all at once or spread it out? Compare how dollar-cost averaging stacks up against lump sum investing over your time horizon.
OpenCompound Interest Visualiser
See the dramatic cost of starting late. Compare three starting ages side by side and watch how a few extra years of compounding changes everything.
OpenSalary Sacrifice
What does bumping your KiwiSaver rate actually cost you in take-home pay — and what do you gain at retirement? Uses NZ PAYE, ACC, and ESCT rates.
OpenRent vs Buy Breakeven
At what point does buying become the wealthier choice? Compare the true cost of renting (and investing your deposit) against owning over a 30-year horizon.
OpenIndependence Number
How much do you need invested to never have to work again? Get your Independence Number, your progress toward it, and how long until you get there.
OpenThese calculators are for illustrative and educational purposes only and do not constitute financial advice. Results are estimates based on the assumptions you input. For personalised advice, please speak with one of our LiftOff advisers.
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