📊  Demo Mode — Sample ANZ bank statement loaded  ·  The full tool accepts any NZ bank CSV export

What Could You Afford?

See how managing your spending today directly changes what you can borrow tomorrow.

📄 Upload your bank statement📊 See your spending breakdown🎛 Drag to set targets🏡 See your mortgage capacity
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Jamie Thompson — ANZ BankJanuary – March 2026  ·  3 months  ·  94 transactions classified
Demo Data
Monthly Income (net)$4,200After tax & KiwiSaver
Monthly Spending$3,2903-month average
Monthly Surplus$910Available each month
↓ managed scenario
Monthly Income$4,200Unchanged
Managed Spending$3,290Drag the bars below
Managed Surplus$910Drag a bar to start

Your Spending Breakdown

Compared against NZ averages for a single-person household — Stats NZ Household Expenditure Survey

Current spend
Managed target
NZ average
↔ Drag the thumb to adjust

How much more could you borrow?

Your mortgage capacity updates live below as you adjust the bars above.

3-year fixed rate: %   ·   Loan term: years Source: interest.co.nz — major NZ bank midpoint, April 2026. Edit to use current rates.

Current vs Managed Spending

At 5.49% fixed, 25 years

Current$3,290 /mo
expenses 78%
surplus 22%
$910 /mosurplus≈ $148,332 mortgage
Managed$3,290 /mo
expenses 78%
surplus 22%
$910 /mosurplus≈ $148,332 mortgage
Additional borrowing capacity from managed spendingCompared to current spending pattern — at 5.49% fixed, 25 years
Drag a bar to see

This tool is for illustrative purposes only and does not constitute financial advice. Mortgage serviceability depends on gross income, deposit size, credit history, existing liabilities, and lender criteria — not surplus spending alone. These figures are a starting-point conversation, not a lending assessment. Speak with a qualified adviser before making financial decisions.