Try Everything Free for 7 Days
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No credit card required to start your trial
Free Trial
$0 for 7 days
Sign up with Google — no credit card needed
- ✓ Full mortgage payoff calculator
- ✓ Weekly, fortnightly, monthly payments
- ✓ Extra payment scenarios & presets
- ✓ Interactive charts
- ✓ All premium features for 7 days
Premium
$9.99 NZD/mo
Billed monthly. Cancel anytime.
- ✓ Everything in the free plan
- ✓ Live mortgage rates (unlimited)
- ✓ Investment Simulator — pay off early vs invest, side-by-side
- ✓Rate Forecasts — OCR forecasts from RBNZ and major banks
- ✓Housing Market Stats — prices, lending trends, and regional data
- ✓ AI Market Insights — curated mortgage news and expert commentary
- ✓ Priority support
All prices in NZD. Billed monthly — cancel anytime from your Stripe dashboard. Your data stays in your browser; we never see your mortgage details.
Free tools vs Premium
Sites like interest.co.nz, sorted.org.nz and moneyhub.co.nz are helpful for basics. Premium is built for strategy decisions and refix timing.
| Feature | Typical free tools | MortgagePayoff Premium |
|---|---|---|
| Basic mortgage payment calculator | ✓ | ✓ |
| Live multi-bank NZ mortgage rates in one view | Limited / manual checking | ✓ Real-time dashboard |
| Refix strategy optimizer (multi-term split modelling) | ✗ | ✓ |
| Invest vs pay-down scenario engine | ✗ | ✓ |
| OCR + housing trend context with recommendations | Partial | ✓ |
| AI market insights feed | ✗ | ✓ |
What users are saying
Early customer feedback from NZ borrowers.
“Saved about $22k in projected interest after switching to the split strategy shown in the optimizer.”
“The side-by-side refix output made our decision obvious in 10 minutes. Wish we had this a year ago.”
“I used to check rates manually across multiple sites. This replaced that workflow completely.”
“Trial was enough to prove value. Upgraded once I saw how much faster the decisions became.”