The savings calculator
What's your loan really costing you?
Three numbers from your current loan. Enter them however you think about them (weekly, fortnightly, or monthly; years, months, or weeks) and see the whole picture.
Free to use · Illustration only, not a quote
Your loan now
Three numbers
On these numbers you're set to pay $37,440 from here to the end, $12,440 of it on top of what you still owe.
If you refinanced lower
Pick a scenario
You could save
$6 a week
- New repayment
- $174/wk
- Over the loan
- $1,274
No obligation · ~2 minutes
Illustration only, not a quote or a promise of savings. Your actual options depend on your loan and the lender's assessment.
How this calculator works
01
It works out what your loan is costing.
From your balance, repayment, and time left, it solves the cost built into your current loan. No statements needed. Those three numbers carry the whole picture.
02
It reprices the same loan, lower.
Same balance, same time left, just priced 1%, 2%, or 3% lower. The difference is what you'd keep, each payment and over the whole term.
03
Lenders decide the real numbers.
These are scenarios, not offers. When you apply, your file goes to a panel of NZ lenders and the strongest real offer comes back, with any break fees factored in before you decide.
New to refinancing? Start with What is car loan refinancing? or the full guide library.
Quick answers
Is this a quote? +
No. It's an illustration built from your own numbers. Real rates and terms are set by the lender after they assess your application. That's the only place an actual offer can come from.
Does using this affect my credit score? +
No. The calculator runs entirely on this page. Nothing is sent anywhere.
What about break fees on my current loan? +
Some loans carry an early-repayment or break fee, and the calculator can't see yours. Any fees get factored into the real picture before you decide. More in the break fees guide.
Numbers look interesting? Make them real.
Free to check · No obligation