First-home deposit — sorted by city
Your first NZ home — closer than you think.
The free deposit calculator + early access to Steady. Set your target, watch it move every payday.
- Real 2026 deposit numbers — Auckland, Wellington, Christchurch, Hamilton, Tauranga
- First Home Grant + KiwiSaver withdrawal explained without the bank-speak
- Watch your deposit grow week by week (this is the bit that keeps you going)
- Steady tells you when you'll cross the line — to the actual month
Free to start. Built in NZ. Connects to your bank securely.
Inside the app
What buying your first home actually looks like in Steady.
- 1
One number that means something
Tell Steady your city and how much house you want. It tells you the real deposit you need (after First Home Grant and KiwiSaver) — not some scary round number from a bank ad.
- 2
A bar that fills up
Every time you save, every time payday hits, Steady moves the bar. "You're 38% there. 17 months to go at this pace." Speed up? It updates. Slip a month? It tells you.
- 3
Tax-time + KiwiSaver, simplified
When you're ready to use your KiwiSaver, Steady walks you through the withdrawal in plain English. No phone-tag with the provider, no guessing what a "first home buyer" means.
Saving for a first home in NZ is a 3–5 year project. The Kiwis who actually finish are the ones who can see it move every week.