NZ Rent vs Buy Calculator
Compare renting versus buying a New Zealand home using mortgage payments, rent growth, ownership costs, investment return, and property price growth.
Contexte de la Regle Regionale
New Zealand Taux et Regles
Compares a home-buying scenario with a renting scenario using user-entered assumptions for mortgage rate, property growth, rent growth, ownership costs, and investment return.
Entrez les valeurs
Resultat
Entrez les valeurs ci-dessus et cliquez sur Calculer pour voir votre resultat.
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Avis : Avis : Ce calculateur utilise les regles publiques en vigueur a la date indiquee. Les resultats sont a titre informatif uniquement. Verifiez aupres des sources officielles. Derniere verification: 18 avr. 2026.
Formule
The buying scenario estimates future property value, remaining loan balance, sale costs, ownership costs, and equity. The renting scenario estimates rent paid and investment growth on the deposit.
Questions Frequentes
Does this predict house prices?
No. It uses the property growth rate you enter.
Does this include mortgage principal?
Yes. The loan balance after the comparison period is estimated from the amortisation formula.
Does this include tax?
No. Tax on investments, rental income, or property sale is not included.
Why include investment return?
Renters may be able to invest the deposit instead of using it to buy a home.
Assistant IA
Poser une question sur ce calculateur
Je peux vous aider a comprendre la formule de nz rent vs buy calculator, interpreter vos resultats et repondre a vos questions.
Essayez de demander
Calculateurs Associes
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All calculations run locally. Your New Zealand tax and salary data never leaves your browser.
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