Finance Calculator
Real repayment figures, green loan rates, and a true 5-year cost comparison — updated live as you move the sliders.
Vehicle & Deposit
Loan Details
Term
Frequency
Interest Rate
Good Energy Home Loan · 1% p.a. · 36mo max · home loan top-up
Annual Usage
Used to calculate fuel savings & break-even.
Your repayment
156 payments · 1% p.a.* · 36 months
Loan amount
$20,000
Est. fee*
$750
Total interest*
$310
Total cost*
$21,060
Fuel savings cover interest in 1mo
* Repayment is an estimate only. Rate based on NZ green home loan top-up products for existing homeowners. Establishment fee (~$750) and actual interest may vary. Not financial advice — confirm all figures with your lender.
Green loan eligibility
Do you currently have a home loan?
True cost of ownership
Based on 15,000 km/year · 10.5L/100km petrol avg · $3.05/L (est.). Includes charging/fuel, RUC, loan costs and servicing. Excludes purchase price. All figures are estimates — see * note below.
EV — 5yr running costs
5yr total
$12,195
Petrol — 5yr running costs
5yr total
$30,019
You save with the EV
5yr saving
$17,824
* Estimates & assumptions — not financial advice
All figures marked * are indicative estimates only and should not be relied upon as financial advice. Petrol price is the national average 91 unleaded retail price sourced from the MBIE Weekly Fuel Price Monitor and cached for up to 6 hours. Interest rates shown reflect NZ bank green home loan top-up products available to existing homeowners with sufficient equity — your actual rate will depend on your lender, credit profile, and loan structure. Electricity prices, RUC rates, and servicing costs are averages and will vary. Loan establishment fee estimated at $750 — confirm the actual fee with your lender before signing. Petrol comparison assumes no financing costs. EV servicing estimated at ~$250/yr (cabin filter, tyre rotation, brake fluid, wiper blades). Petrol fuel economy based on NZ fleet average ~10.5L/100km. Always seek independent financial advice before committing to a loan.
Assumptions: Electricity 31¢/kWh · Petrol $3.05/L (live) · EV 18kWh/100km · Petrol 10.5L/100km · RUC $76/1,000km
Ready to move forward?
Submit a full finance application and our team will be in touch within one business day.