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. Adjust the amount, interest rate, and contribution frequency for each option — everything stays in your browser.
Your Money
How many years to project each option forward
Which options do you want to compare?
What if rates changed?
Typical current NZ rates — the starting point for every comparison. (Savings 4% · Term Deposit 5.5% · Stocks 7% · Mortgage 6.5%)
🏦 Savings Account
Money you have on hand today, before any regular contributions
How much you add on top, and how often — try $1/day vs $50/month to compare habits
Annual rate, compounded monthly
🔒 Term Deposit
Money you have on hand today, before any regular contributions
How much you add on top, and how often — try $1/day vs $50/month to compare habits
Annual rate, paid at each term's maturity
Automatically rolled over into a new term at maturity
📈 Stocks
Money you have on hand today, before any regular contributions
How much you add on top, and how often — try $1/day vs $50/month to compare habits
Long-run average — actual returns will vary year to year
Annual fund or brokerage fees, deducted from the return
🏠 Extra Mortgage Repayments
A one-off extra payment off your mortgage principal today
How much extra you pay off the principal on top of your normal repayments
What you still owe on your mortgage today
Extra repayments earn this rate as a guaranteed return, by avoiding interest
Years left on your current mortgage before extra repayments
Results update live as you adjust the sliders — everything stays in your browser.
Saved comparisons
View all on dashboardRun a comparison and choose "Save" to keep it here. Saved comparisons live in this browser only — no account required.
Value at Horizon
Value at Horizon
Value at Horizon
Value at Horizon
Value at Horizon
Total if you ran all your selected options side by side
Growth Over Time
Key Findings
Best Option
Extra Mortgage Repayments
Highest projected value among your selected options
Total Contributed
$164,000
Lump sums plus regular contributions across your selected options, over your horizon
Growth Earned (Extra Mortgage Repayments)
$19,081.87
💰 On top of what you put into that option
Combined Total
$229,234.15
If you ran all your selected options side by side
Our Recommendation
Extra Mortgage Repayments comes out ahead over 10 years, reaching an estimated $60,082. Running all your selected options side by side would total an estimated $229,234 over the same period.
Informational only, not financial advice. Figures are pre-tax estimates and don't account for market volatility, taxes, or early-withdrawal penalties.