Lift Off / Calculators
Home Deposit Savings
How long until you can buy? Enter your target property, savings rate, and any KiwiSaver withdrawal to see exactly when you'll hit your deposit goal.
NZ online savings accounts currently ~1.5–2.5% p.a.
First Home Loan
Eligible buyers can purchase with as little as a 5% deposit via Kāinga Ora's First Home Loan. Income limits apply ($95k individual / $150k combined). The HomeStart Grant was abolished in May 2024.
Savings Progress
$140,000
Target Deposit
$30,000
Currently Saved
$110,000
Remaining Gap
5yr 6mo
Time to Goal
Ready to turn this timeline into a real plan?
We map your deposit goal to a written savings and investment strategy.
Savings growth assumes interest compounds monthly at the rate you set. KiwiSaver first-home withdrawal requires at least 3 years' membership; $1,000 must remain in your account. First Home Loan eligibility is subject to income and purchase price limits set by Kāinga Ora. These projections are illustrative only and do not constitute financial advice.