Mō tātou katoa.
— Tyson Harding (Mr Chow)
Pick a type to use sensible NZ defaults — then edit anything.
Move the slider — watch the curve. Same debt, different ending.
Every extra dollar erases interest the lender would otherwise keep.
Where your money goes
Two routes, one ending you choose.
Free in 9 years on minimums alone.
Use the slider in Step 2 — watch the freedom date jump closer.
NZ rate defaults from RBNZ / Sorted.org.nz. Amortisation runs monthly. Avalanche orders by highest rate first; snowball by smallest balance.