Smart decisions, made in Aotearoa

Make Smarter Decisions

From going solar to switching cars to writing your will, YesOrNo helps you weigh the real costs and benefits — so you can confidently answer life's big yes-or-no questions.

No sign-up — your inputs stay in your browser.

Big Decisions Are Hard to Get Right

Most people face major decisions without a clear way to compare their options side by side.

Ignoring Long-Term Costs

Many people focus only on upfront costs, missing the true lifetime expense of major decisions.

Not Comparing Options

Without comparing scenarios side-by-side, it's hard to see which option really saves you money.

Letting Emotions Drive Decisions

Big decisions are easier when you have clear data to lean on, not just gut feelings.

Making Decisions with Incomplete Information

Missing important variables means you might miss the full picture and its real impact.

Our Approach: Model It, or Check It Off

Instead of guessing, model each option and see exactly how it plays out — costs, savings, trade-offs and long-term impact. Or work through a guided checklist, like for your Will, so nothing important gets missed. Either way, decide with clarity, not gut feel.

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Compare options side-by-side, or follow a guided checklist
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See the real costs, savings and trade-offs
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Understand long-term impact — from payback periods to your Will
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Make confident, well-informed decisions

Available Now

Start weighing your options and decide with confidence, using our current tools.

Learn about Will

Understand how Wills work and get ready to write your own — the friendly, guided way, ending with a personalised preparation checklist. Educational, not legal advice.

Learn about Will

Should I switch car type?

Decide between Fuel, Hybrid, and Electric vehicles. Compare total cost of ownership, running costs, and environmental impact.

Try Should I switch car type?

Solar ROI Calculator

Compare the financial impact of going solar. Analyze costs, savings, and payback periods based on your specific situation.

Try Solar ROI Calculator

Should I buy or rent?

Compare the long-term net worth of buying a home versus renting and investing the difference. Find your break-even point.

Try Should I buy or rent?

Savings Scenario Comparison

Compare a savings account, term deposit, stocks, and extra mortgage repayments side by side to see which grows your money the most.

Try Savings Scenario Comparison

Will I have enough to retire?

Project your KiwiSaver, savings and property equity through to retirement — whatever your residency or KiwiSaver status, and however many properties you own.

Try Will I have enough to retire?

Loan Optimizer

Explore extra repayments, offset accounts, split loans and payment frequency changes to see how much interest and time you can save on your mortgage.

Try Loan Optimizer

Should I switch power plan?

Model your actual electricity usage — day/night/peak split, EV charging and solar export — against different tariff structures to find the cheapest power plan for you.

Try Should I switch power plan?

Should I build or buy?

Compare building a new home versus buying an existing one — factoring in buying costs, construction overruns, consent fees and paying to live elsewhere while you build.

Try Should I build or buy?

Should I lease or buy a car?

Compare leasing a car against buying it with cash or finance over how long you'll keep it — factoring in finance interest, servicing and the resale value you keep when you own.

Try Should I lease or buy a car?

Should I break my fixed mortgage?

Rates dropped but you're locked in? Weigh the bank's break fee against the interest you'd save by refixing lower now, over the months left on your fixed term.

Try Should I break my fixed mortgage?

Pay down the mortgage or invest?

Got spare cash? See whether throwing it at your mortgage — a guaranteed, tax-free saving — beats investing it for a taxed, uncertain market return, over the years ahead.

Try Pay down the mortgage or invest?

Ready to Make Smarter Decisions?

Start with one of our tools and see the real impact of your choices. No account needed — everything stays in your browser.