Calculators

Home Loan Calculators

Fit my loan
Find the loan that fits you
At Heritage Bank we understand that everyone's needs are different, so we take a personalised approach to fitting a home loan to suit you. Give our online loan chooser a go to see which loan could be a good fit for you.
Calculate your mortgage repayments
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more. 
Borrowing power calculator
Calculate an estimate of how much you may be able to borrow. Simply enter your income, expense and loan details.
Extra repayment calculator
Calculate how much you could be saving in interest or whether you can shorten your loan term by making additional repayments over and above your current monthly repayment.
Lump Sum repayment calculator
Calculate how much you can save in interest or whether you can shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.
Savings & Planning Calculators

Savings Plan Simulator
Project how much you can accumulate over time from an initial contribution and regular ongoing deposits.
Income Tax Calculator
This calculator helps your work out how much income tax you will need to pay.
Budget Planner tool
Need help working out a budget? Try our Budget Planner. Enter your annual income and expenses to assess your financial position.
Term Deposit Calculator
Project your interest earnings from term deposits.
Other Calculators

Personal Loan Calculator

Our personal loan calculator helps you estimate your personal loan repayments, whether it be for a holiday, wedding, debt consolidation or renovations.

Car Loan Calculator
Use our car loan calculator to estimate the true cost of owning a car. It takes into account stamp duty, insurance, maintenance and more.
Credit Card Calculator
Calculate the minimum payment required on your credit card.
Couple on beach with a car and a surfboard
Foreign exchange rate calculator

Calculate what exchange rate you will receive if you send or receive money from overseas with Western Union. 

Insurance Calculators

Home Insurance Calculators

Project an estimate of the full replacement value of your home building and contents.

Building Replacement Value Calculator

Contents Replacement Value Calculator