Tools that actually answer the question.
Five free NZ finance tools. None of them ask for an email. Most return a verdict in under 60 seconds. Each is built by Craig Coupland (CFP, FSP 105424) for the questions every NZ household actually asks.
Quote-Fit
Got a bank's mortgage offer, an insurance premium quote, or a KiwiSaver statement? Drop the numbers, get an instant verdict: Fair, Negotiable, or Suboptimal.
Run Quote-Fit Diagnostic · 90 secHealthCheck
Ten questions across Mortgage, KiwiSaver and Insurance. Returns a 3-tab personalised score plus the single thing worth fixing first. Shareable URL.
Take the HealthCheck Calculator · 30 secBorrowing capacity
How much can you actually borrow? Per-lender breakdown across the 5+ major NZ banks, modelled on your income, debt, dependants and deposit. Plus salary-specific landing pages.
Run the calculator Projector · 30 secKiwiSaver retirement projector
Where you'll be at 65, projected from age, balance, contributions and fund type. Plus a what-if for each alternative fund.
Project your balance Live · published in 2hOCR Watch
Plain-English commentary on every RBNZ Official Cash Rate decision, published within 2 hours of the announcement. Plus pre-modelled scenarios for the next decision.
Read OCR Watch Real adviser · 15 minBook Craig
When the tool isn't enough, talk to the CFP. 15 minutes, no pitch, no card. Phone or Zoom or coffee in Papamoa.
Book a chatTools aren't a substitute for advice.
Each tool gets you orientation in seconds. The real call still belongs to a CFP. Book the 15-min and let Craig dig into your specific situation.