Please enter your costs as you pay them right now. Our system will calculate what you would have paid under Labour, using known price changes for each category.
Do you live in social housing?
Your 2023 equivalent is worked out from your region's median new-bond rent (MBIE Tenancy Services data). Enter a negative figure (e.g. -620) if you receive rent for a property you own. Leave at $0 if neither applies.
๐ฆ Mortgage (homeowners) (household)
Leave the rate and term blank and we'll use the current average floating (non-fixed) rate of 6.43% (RBNZ, Sep 2026 โ latest published) and a 25-year term. The 2023 comparison adds the average floating-rate rise since late 2023 (floating averaged ~8.7% then, RBNZ/ANZ). Renters: just leave these blank.
๐ฉบ Rates, insurance & health (household)
All optional, leave blank to skip. Enter what you pay now and we work out the 2023 equivalent from that category's measured price change. Check the period on each field before typing.
Sets how much your council's rates have risen since 2023 (Taxpayers' Union data). Rates are set by councils, not central government.
Include regional council rates and any water charges in this total.
House + contents + car, total. Excludes health, life and income insurance.
GP visits, prescriptions, dentist and other health costs.
๐Privacy note: No data is stored on our servers. All calculations are performed in your browser and never leave your device.