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Free guides and tools to help New Zealanders take control of their debt.
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Free calculators built for New Zealand borrowers.
Credit Card Payoff Calculator
See exactly how long it'll take to clear your card and how much interest you'll pay.
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Estimate your break fee and whether switching to a lower rate is worth it.
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See your repayments, total interest, and how extra payments could save you thousands.
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Calculate your DTI ratio and see how much you could borrow for a mortgage.
Try free →Guides
Plain-English guides to help you pay less interest and get debt-free faster.
How to Pay Off Your Mortgage Faster in NZ
Small changes to how you structure your repayments can save tens of thousands in interest. Here's what actually works.
Interest-Only Mortgages in NZ: What They Cost and When They Make Sense
A 2-year interest-only period costs an extra $24,129 in interest. A 5-year period costs $62,750 more. Here's what the numbers look like — and when interest-only actually makes sense.
What Your Credit Card Is Really Costing You in NZ
On a $3,500 balance, minimum payments take 96 years and cost $22,670 in interest. Here's what the numbers actually look like — and how to get out faster.
Debt Avalanche vs Debt Snowball: Which Works Best for New Zealanders?
Two strategies, one goal. We break down the maths and the psychology — and explain how NZ quirks like student loans and fortnightly payments affect your choice.
Which Debt Repayment Strategy Is Right for Me?
We run a real NZ borrower through all three strategies with verified numbers — including one result that surprises most people.
When Should I Refix My Mortgage in NZ?
Fixed rate ending soon? We walk through how to time your refix, whether breaking early makes sense, and what to ask your bank.
Buy Now, Pay Later in NZ: What It's Really Costing You
One million Kiwis use BNPL. Most will tell you it's not really debt. Here's what the data shows — and how to use it without it using you.
How to Find Your Loan Details: A Quick Guide
Not sure where to find your exact interest rate, current balance, or fixed-rate expiry date? We show you exactly where to look on your bank statements and banking apps.