How soon can I buy?
Find out roughly when you could have your deposit, based on the home you’re aiming for, what you’ve saved, your KiwiSaver and how much you save each month.
How soon you can buy depends on the deposit you need, what you’ve saved so far, your KiwiSaver balance and how much you save each month. This calculator estimates when you could reach your deposit target, including KiwiSaver contributions and growth.
When could I buy my first home?
See how long it might take to save your deposit, counting your savings and KiwiSaver together.
| Deposit goal | – |
| You have now | – |
| KiwiSaver added each year (est.) | – |
This is an estimate only and isn’t financial advice. KiwiSaver contributions assume 3.5% from you and 3.5% from your employer (after employer tax of about 30%), plus the government contribution of up to $260.72 a year per member. To use KiwiSaver for a first home you usually need three years’ membership and must leave $1,000 in each account, which this calculator allows for. Returns aren’t guaranteed and house prices change, so your timeline could be shorter or longer.
Other ways to check the numbers
Want a figure you can rely on?
A calculator is a great start. Our Papakura mortgage advisers can tell you what lenders would actually offer you, at no cost for most clients.
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