Loan Comparison Calculator
Compare two loans side-by-side.
NZ$
years
Loan A
%
NZ$
Loan B
%
NZ$
Loan B is cheaper
$35,227.66
Total saving over the life of the loan, including fees.
| A monthly | $3,256.30 |
|---|---|
| B monthly | $3,157.05 |
| A total cost | $1,172,267 |
| B total cost | $1,137,039 |
| Saving | $35,228 |
About this calculator
Compare any two loan offers — use total interest, not just headline rate.
- A 0.25% lower rate over 25 years saves more than you might expect.
- Always compare on the same term to be fair.
Frequently asked questions
What about fees?
Add setup fees as up-front cost to the principal of the loan that charges them, then compare.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.