Tools & calculators
Practical tools to support better financial decisions
Use these resources to estimate your position, explore scenarios, and prepare for a conversation with a Moonstone adviser. These tools are general in nature and should be used alongside tailored advice.
Loan Term Calculator
Use this calculator to compare different repayment options for a mortgage.
Simply, enter your loan amount, term and interest rates below and see the life cycle of your loan.
How to use this page
Start with a quick estimate, then turn it into a plan
These tools help you gather the right numbers and clarify priorities. If you would like help interpreting the results, we can translate them into a clear, actionable financial plan.
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Estimate
Run a quick calculation to understand your current position and options.
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Prepare
Note assumptions, questions, and any gaps so your next step is clear.
Frequently asked questions
A few common questions about using calculators and next steps.
Are these tools personalised financial advice?
No. These tools provide general estimates based on the information you enter. Personalised advice considers your full circumstances, goals, and risk profile.
How accurate are the results?
Outputs depend on assumptions such as income, expenses, time horizon, and investment returns. Use results as a starting point and sense-check them with an adviser.
What information should I bring to a first conversation?
A recent KiwiSaver statement, a list of key assets and debts, approximate income and expenses, and any existing insurance policies are a helpful start.
Can you help with KiwiSaver fund selection?
Yes. We can share general information about KiwiSaver and how it works. We can refer you to a qualified specialist who can assist further, ensuring it fits within your wider plan.
Do you advise individuals and business owners?
Yes. We work with individuals, families, and business owners across New Zealand on home loans, business loans, lending services, and risk protection.
How do I book an initial conversation?
Use the contact page to request a call or meeting. We will confirm a time and outline what to prepare so the discussion is productive.
Next step
Turn estimates into a clear financial plan
If you would like help interpreting your results or setting priorities, book an initial conversation with Moonstone Financial Services.