Our investment capacity calculator helps you map out your budget with clarity, showing how much you can comfortably invest based on your income and equity, so you can move forward with a clear financial game plan.
Use our tools to become a property investment expert.
Learn More About Property Investment
Thrive’s property investment calculators give investors the knowledge they need to make informed decisions. Whether you're assessing rental yield, equity, or long-term returns, these tools help you make smarter decisions, backed by local NZ data and Thrive’s proven logic. They're designed to cut through guesswork and give you confidence in every scenario.
Want to See Today's Rates?
Your budget is an important first step toward your next property. Take it a little further by exploring our live interest rate comparisons - updated often so you can see what today’s lending environment really looks like for investors.
This calculator gives you an estimate of your investment budget based on two things: how much you earn and how much deposit you have. This gives you a ballpark figure of what your budget is, and you can use that to form your investment strategy.
Yes. It uses typical lending rules like debt-to-income ratios and loan-to-value ratios to give you a realistic estimate. It’s based on common bank criteria but may differ slightly depending on your lender.
Yes! This tool is designed for homeowners who want to understand how much equity they can put towards their next investment. It’s also useful for first-home buyers or investors just starting out.
Enter your gross (before-tax) household income and any regular rental income separately. If you earn bonuses or commissions, include them if they’re consistent and provable.
No - this is a guide, not a guarantee. Your result is an estimate based on the details you enter. Lending rules vary between banks, so if you want a clearer picture tailored to your situation, talk to a Thrive advisor.
Here are some tools to help your property investment journey:
At Thrive we take a strategic approach to evidence-based property investment. With a view to helping you build wealth using our expert knowledge and market research to structure your portfolio in a way that gives you a superior outcome than merely buying and holding a few houses.
