MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Average NZ Salaries by Age 2023 - Where Do You Stand?

Discover where you stand financially with our guide to average NZ salaries and net worth by age. While various factors can influence earnings and net worth, understanding where you stand can help you set goals and make informed financial decisions.
Average NZ Salary by Age
Updated 24 December 2023
Summary:
  • ​Comparison is the thief of joy. However, many Kiwis are occasionally keen to find out how they stack up financially against other New Zealanders.
  • Finding the relevant data to benchmark variables like income and net worth by age can be difficult, causing confusion and uncertainty.
  • Additionally, your earning potential and net worth can be influenced by various factors, including your education, skills, work experience, and the industry in which you work.
  • For these reasons, it's arguable (to a certain degree) that understanding what you should earn and your net worth at each stage of life can help you set goals and make informed financial decisions.
  • To increase your income and net worth, consider investing in your education and skills, negotiating your salary, pursuing promotions and new opportunities, starting a side hustle, and seeking out high-paying industries.
  • Ways to increase your net worth include paying off debt, saving and investing, increasing your income, spending wisely, and buying assets that appreciate. 

Our guide covers:
  • How Much 'Should' I be Earning at Each Stage of Life or Age? (Holistically)
  • How Much Should I be Earning at Each Stage of Life or Age? (per Statistics NZ)
  • How Does the Wealth of New Zealanders Compare with Wealth from Other Countries?
  • Tips to Increase Income, Earnings Power and Net Worth
  • Resources Covering Personal Finance and Helping to Growing Income and Net Worth
  • Earnings and Net Worth Must-Know Facts
  • Frequently Asked Questions

Disclosure:
  • The main source we’ve used to draw down on and populate this guide has come from Statistics New Zealand (Stats NZ). Where possible, we've tried to include as much unbiased data as possible.
  • However, some of the data points below may be made through a survey or anecdotal format rather than hard, granular data. While our focus is always on quantifiable data, this research needs to rely on such sources, given the nature of the topics.
  • Additionally, we’ve focused on median figures, rather than average figures (despite titling the study 'Average NZ Salary'), as median statistics are more representative of the “typical” New Zealander. By doing so, we eliminate the risk of excessive incomes and net worths that skew the data and believe we have a more accurate 'average'.

Related Guides:
  • 20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Must-Know Money Lessons (Learned From Experience)
  • 20 Money Habits that Keep You Poor

Know This First: What is Net Worth? How Do I Calculate Net Worth?

Net worth is a measure of your financial health. It's calculated by subtracting your liabilities (debts and other financial obligations) from your assets (property, investments, and other valuable possessions). A positive net worth indicates that you have more assets than liabilities, while a negative net worth indicates more liabilities than assets.

To calculate your net worth, you'll need to add up the value of all your assets and subtract any outstanding debts or other liabilities. For example, if you own a house worth $500,000 and have a mortgage of $300,000, your net worth would be $200,000 ($500,000 - $300,000).

If you're looking for an easy way to work out your net worth, our net worth calculator will crunch the numbers and work this out for you in minutes.

Average NZ Salary by Age

How Much 'Should' I be Earning at Each Stage of Life or Age? (Holistically)

It's difficult to determine a specific amount you should earn at each stage of life, as this can vary based on your job, education, skills, experience, and industry. 

We've focused on medians - for example, if you're a lawyer, accountant or in a medical field, the salaries below will be lower than you and your professional peers. However, this guide focuses on age, not profession, and offers some general guidelines that can help you understand what you should be earning based on your age and career level in New Zealand:
  • Age 15 - 19 (teenagers): Most teenagers with assets at this stage will have been generated through gifts or small odd jobs. Salaries in this age range will likely be <$20,000 per year. For example, working ten hours a week during school and some 40+ hour weeks during summer could earn around $15,000.
  • Age 20 - 24: You'll usually either be finishing up university or have just become qualified as a tradesperson. You will likely take an entry-level position at a private company or public organisation. Generally, private companies pay more than public organisations (as many private roles come with short-term incentive plans, bonuses or employee share plans). As an example, entry-level positions in New Zealand typically pay around $40,000 to $50,000 per year.
  • Age 25 - 34: As you gain more experience and skills, you’ll likely be able to negotiate higher pay and move between firms or competitors. Salaries in this age range can range from $50,000 to $80,000 per year.
  • Age 35 - 44: As you reach your mid-career, you'll likely become extremely proficient or experienced in certain aspects of your role. Additionally, you'll likely take on additional organisational responsibilities, such as leadership, strategy and supporting the younger graduates. All this responsibility means you'll likely be far more valuable in the market and can command a higher salary. The average salary in this age range is from $80,000 to $100,000 per year.
  • Age 45 - 54: Many people in this age range are at the peak of their careers and will be earning the highest salary compared to all other age brackets. By this point in your career, you should have had the opportunity to accumulate a significant amount of assets, and your net worth will likely reflect this. Kiwis in this age bracket will likely earn salaries in the $100,000 to $150,000 per year range.
  • Age 55+: While salaries may start to decrease slightly as you approach retirement, many people in this age range still earn significant salaries, with the average salary ranging from $80,000 to $100,000 per year.

Know This: The above data range is anecdotal evidence to help describe the relative levels and stage Kiwis might be at; we describe hard data below. The numbers above are just general guidelines, and your earning potential may be higher or lower depending on your circumstances.

Average NZ Salary by Age Graphs

How Much Should I be Earning at Each Stage of Life or Age? (per Statistics NZ)

The analysis below has been sourced from Stats NZ. Our research team has undertaken the analysis/calculations and created the graphs:

Hourly Earnings in New Zealand

Average Hourly NZ Salary by Age

Weekly Income in New Zealand

Average Weekly NZ Salary by Age

Net Worth (NZD) in New Zealand

Average NZ Salary by Age - Net Worth
Sources: Stats NZ Labour Market Statistics June 2021 and 2022

A few insights can be gained from looking at the tables above - all amounts are presented in New Zealand dollars.

Teenagers (15-19)

  • ​As of June 2022, teenagers aged 15 to 19 in New Zealand earned a median hourly rate of $21.30. As of June 2022, teenagers aged 15 to 19 in New Zealand earned a weekly median income of $420.
  • These incomes have increased significantly over the past decade, which may be due in part to minimum wage increases.
  • From April 1st 2022 the adult minimum wage increased to $21.20 (gross) per hour, increasing again in April 2023.

Kiwis in their 20’s

  • Generally, Kiwis in their 20s earn significantly more than their teenage counterparts, likely due to many Kiwis in their 20s graduating from university or finishing up apprenticeships and shifting to full-time work. As of June 2022:
  • Kiwis aged 20 to 24 in New Zealand earned a median hourly rate of $24.
  • Kiwis aged 20 to 24 in New Zealand earned a weekly median income of $959.
  • Kiwis aged 25 to 29 in New Zealand earned a median hourly rate of $28.
  • Kiwis aged 25 to 29 in New Zealand earned a weekly median income of $1,170

Net Worth: Kiwis aged 15 to 24 in New Zealand had an individual net worth of $3,000 (as at June 2021).

Kiwis in their 30’s

  • Generally, Kiwis in their 30s are getting promoted and moving jobs, industries and countries as they get more experience, leading to higher salaries. As of June 2022:
  • Kiwis aged 30 to 34 in New Zealand earned a median hourly rate of $32.
  • Kiwis aged 30 to 34 in New Zealand earned a weekly median income of $1,304.
  • Kiwis aged 35 to 39 in New Zealand earned a median hourly rate of $33.56.
  • Kiwis aged 35 to 39 in New Zealand earned a weekly median income of $1,352.

Net Worth: Kiwis aged 25 to 34 in New Zealand had an individual net worth of $34,000 New Zealand dollars (as at June 2021).

Kiwis in their 40’s

  • Generally, Kiwis tend to reach their highest earning potential in their early 40s as they enter leadership positions and have over 20 years of experience in their industry or roles. As of June 2022:
  • Kiwis aged 40 to 44 in New Zealand earned a median hourly rate of $33.24.
  • Kiwis aged 40 to 44 in New Zealand earned a weekly median income of $1,343
  • Kiwis aged 45 to 49 in New Zealand earned a median hourly rate of $33
  • Kiwis aged 45 to 49 in New Zealand earned a weekly median income of $1,381

Net Worth:
Kiwis aged 35 to 44 in New Zealand had an individual net worth of $117,000 (as at June 2021).

Kiwis in their 50’s

  • Generally, when Kiwis hit their 50s, the amount of time they've spent in the workforce may not necessarily translate to higher earnings.
  • This earnings gap exists because most careers and industries have an "earnings cap" or "earnings ceiling" that, once you reach, becomes hard to surpass either due to a lack of open positions above you to get promoted to or the nature of the industry is such that they don't pay any more above a certain level. ​As of June 2022:
  • Kiwis aged 50 to 54 in New Zealand earned a median hourly rate of $33.56
  • Kiwis aged 50 to 54 in New Zealand earned a weekly median income of $1,388
  • Kiwis aged 55 to 59 in New Zealand earned a median hourly rate of $31.07
  • Kiwis aged 55 to 59 in New Zealand earned a weekly median income of $1,266

Net Worth:
Kiwis aged 45 to 54 in New Zealand had an individual net worth of $229,000 (as at June 2021).

Kiwis in their 60’s

  • Pay tends to decrease significantly when people reach their 60s, which may reflect a switch to fewer hours or early retirement. Additionally, Kiwis in their 60s may find it harder to find the roles they're looking for as easily as they did in their 40s or 50s. As of June 2022:
  • Kiwis aged 60 to 64 in New Zealand earned a median hourly rate of $30.36
  • Kiwis aged 60 to 64 in New Zealand earned a weekly median income of $1,189

Net Worth: Kiwis aged 55 to 64 in New Zealand had an individual net worth of $363,000 (as at June 2021).

Kiwis at the typical retirement age (65 onwards)

​As of June 2022:
  • Kiwis aged 65 onwards in New Zealand earned a median hourly rate of $29.83
  • Kiwis aged 65 onwards in New Zealand earned a weekly median income of $999

Net Worth:
As of June 2021, Kiwis aged 65 onwards in New Zealand had an individual net worth of $424,000 (as at June 2021).

Average NZ Salary by Age Comparison

How Does the Wealth of New Zealanders Compare with Wealth from Other Countries?

According to data from Credit Suisse Wealth Databook 2022:

Increases in Wealth in New Zealand.

  • New Zealanders saw the fastest increase in mean wealth per adult globally between 2020 and 2021. The country's mean wealth per adult increased by US$114,290 (NZD 202,000) to US$472,150, and the median rose to US$231,260, an NZD 57,920.
  • The data shows that rising house prices and a strong currency contributed to this increase in wealth for New Zealanders. For example, if you own a house in an Auckland suburb close to the CBD without a mortgage, you could be among the top 1% wealthiest people in the world. If not, you're likely among the top 10% wealthiest people globally.

The number of millionaires in New Zealand.

  • In 2021, there were 347,000 millionaires in New Zealand (in US dollars), an increase of 113,000 from the previous year.
  • Globally, there were 62.5 million millionaires. New Zealand's growth in millionaires was among the top 10 biggest increases in the world.
  • New Zealand has 2.126 million people in the top 10% of wealthy individuals globally and 281,000 in the top 1%. Globally, the top 1% now have 45.6% of the world's wealth, up from 43.9% in 2019.
  • To be in the top 10% of wealthiest people in the world, you need to have a net wealth of US$138,346. For the top 1%, the bar is US$1.147 million. 

Average NZ Salary by Age Tips to Increase Net Worth and Salary

Tips to Increase Income, Earnings Power and Net Worth:

There are several strategies you can use to increase your income:
  1. Education and training: Investing in your education and career development can open up opportunities for higher-paying jobs. Pursue additional certifications, degrees, or training in your field, or consider switching to a field with higher earning potential.
  2. Add more value: Look for ways to add value to your current employer. For example, offer new ideas, take on additional responsibilities and strive for excellence in your performance. Your employer might see your contribution's value and consider a promotion or raise.
  3. Networking: Building professional relationships can help you stay informed about job opportunities and can lead to mentoring, career advancement or accelerated promotion.
  4. Negotiate your salary: Don't be afraid to ask for a raise at your current job or to negotiate your salary when you're offered a new job. But, again, it's important to research and understand what you're worth in the market to negotiate a fair salary.
  5. Seek out high-paying industries: Some industries tend to pay higher salaries than others. If you want to increase your income, consider exploring careers in technology, finance, and healthcare.
  6. Look for new job opportunities: Look for new job opportunities on the internet and consider both full-time and part-time jobs. You can use job search websites, recruitment agencies, and your professional networks to search for job openings.
  7. Start your own business: Consider starting your business as a side hustle or a full-time venture. Starting your own business can be a great way to increase your income, but it does come with more risk and uncertainty. Additionally, as an alternative to full-time employment, freelancing or contracting can provide more flexibility and possibly higher earning potential. It also provides a way to test the waters in a new field or industry.

There are strategies you can use to increase your net worth:
  1. Increase your income: As mentioned above, increasing your income will almost always help you grow your net worth (assuming lifestyle inflation doesn’t occur).
  2. Live below your means: One of the most effective ways to increase your net worth is to spend less than you earn. By living below your means, you'll be able to generate more disposable money to save and invest. So review your expenses and look for areas where you can cut back, such as subscription services or dining out.
  3. Create a budget: Create a budget and track your expenses. Tracking expenses will help you identify areas where you can reduce spending and increase your savings.
  4. Pay off debt: High-interest debt, such as credit card debt, can eat away your net worth. Make paying off debt a priority and avoid taking on new debt as much as possible.
  5. Invest: Investing your money is one of the most effective ways to grow your net worth. Consider investing in a diverse range of assets such as stocks, bonds, mutual funds, or real estate.
  6. Start saving early: The earlier you start saving, the more time your money has to grow. Take advantage of compound interest and take advantage of savings plans.
  7. Be mindful of tax: Consider the tax implications of your investments and financial decisions. Then, take advantage of any tax breaks or incentives available.
  8. Be patient and consistent: Building wealth takes time and consistency. Stay committed to your financial goals, and don't get discouraged if you don't see immediate results. Keep in mind that slow and steady progress is still progress.
  9. Educate yourself: Learn about personal finance and investing as much as possible. Read books, take courses, and seek advice from financial experts. The more you know, the better equipped you will be to make informed decisions about your money. Keep learning and growing. Learning and growing are the keys to financial success. As you learn more, you'll be better equipped to make wise decisions about your money and more likely to achieve your financial goals.
  10. Be realistic: Try to be realistic about your financial goals, and don't try to keep up with the Joneses. It's important to be content with what you have and not compare yourself to others. Setting realistic financial goals that align with your lifestyle and income will help you create a sustainable plan for achieving them.
  11. Avoid lifestyle inflation: As you earn more, avoid the trap of lifestyle inflation. Instead of upgrading your lifestyle to match your increased income, continue to live frugally and use the extra money to pay off debt and save for the future.
  12. Review and re-evaluate your plan: Review and re-evaluate your plan regularly. Reflect on how well you're doing, what changes you need to make, and what you can do better.
  13. Be diversified: Be diversified in your investments and savings. Diversification reduces risk and increases the chances of getting better investment returns.

Average NZ Salary by Age Resources

Resources Covering Personal Finance and Helping to Growing Income and Net Worth

​There are many resources (both global and New Zealand-centric) available to help you learn more about growing your income and net worth. Here are a few suggestions:
MoneyHub - Increase Net Worth
MoneyHub (Financial Independence series)
  • We have a dedicated section on becoming more financially independent and potentially retiring earlier than the traditional retirement age of 65.
  • Our comprehensive guides on boosting income and reducing expenses in the FIRE (Financial Independence Retire Early) series offers easy wins and steps to take to build a strong financial future.
Sorted - Increase Net Worth
Sorted
  • Sorted is a New Zealand government-owned website that provides financial advice and resources to help New Zealanders make the most of their money. The website covers various topics, including budgeting, saving, investing, insurance, and retirement planning.
  • One of the key features of the Sorted website is the "Money Planner," which is a tool that helps users create a personalised budget based on their income, expenses, and financial goals. The website also offers a range of financial calculators that can help users determine how much they need to save to reach their goals, such as buying a home or saving for retirement.
  • ​In addition to the financial tools and resources, the Sorted website also offers a range of articles and guides on topics such as debt management, tax planning, and managing your money during economic uncertainty. The website also has a section dedicated to helping young people make the most of their money, with resources and tips for building good financial habits from a young age.
interest.co.in - Increase Net Worth
Interest.co.nz
  • Interest.co.nz is a news and analysis website focused on personal finance and economic issues in New Zealand.
  • The website offers a range of resources and tools, including mortgage calculators, retirement planning tools, and comparisons of different financial products. 
Reddit - Increase Net Worth
  • There are several online communities and forums dedicated to personal finance. These communities can be good places to get advice from others who are also working on improving their financial situation.
  • The most popular and relevant subreddit for New Zealanders is Personal Finance New Zealand, which has over 60,000 members as of March 2023 and has many great tips and tricks on how Kiwis can increase their income, decrease their expenses and grow their net worth faster. 

Average NZ Salary by Age Facts

Earnings and Net Worth Must-Know Facts

1. Most Kiwis will reach peak earnings in their 40’s. Try to take full advantage of this.

Typically, people tend to earn the most in their 40s. In the past, people in their 30s earned virtually the same as those in their 40s. However, the difference between these two age groups has increased, indicating that "peak earnings" tend to occur later in life.

One way to think about it is that your 20s are for learning, while your 30s and 40s are for earning. So this scenario would mean that in your 20s, you choose your field and develop your skills, and then in your 30s and 40s, you focus on extracting the most out of those skills and maximising your earnings.
​
During your 30s and 40s, you'll likely be able to build wealth the fastest due to your high income and opportunity to leverage up and invest in property (tied to your income affordability). Then, in your 50s and 60s, many people focus on their quality of life and lean into family or relationships rather than work. This pivot means you might ease off and work in a less demanding role or part-time as your goals and ambitions change. However, working less will almost always result in a decrease in weekly earnings. 

2. Don't be disheartened if you're below your age bracket's income and net worth benchmarks.

It's important to know that the numbers and statistics presented in this guide are median figures ONLY. Additionally, there's a significant amount of variability, bias and caveats when breaking down survey data or looking at one specific period.

Just because you're above or below some of the numbers in this guide doesn't mean you're on the wrong track. However, suppose you feel you're not earning as much as you would like or are considering switching careers. In that case, it may be helpful to consider industries currently hiring and offering higher salaries. For a deeper dive into this, check out our definitive guide on how to get promoted at work.

3. Choosing the right industry can disproportionately impact your income and net worth.

According to data from Seek, the top three industries with the most significant increases in pay (for specific roles) are the Information and Communication Technology, Manufacturing Transport and Logistics, and Hospitality and Tourism industries.

Generally, picking an average role in a high-growth industry (such as software engineering) will lead to far higher income and net worth than picking a high-growth role in a slow-growth industry. However, if you have the ability or freedom, try to choose industries that align with your skill sets and interests and are also in a high-paying industry. 

4. Compare yourself to you yesterday, not to other Kiwis today.

While it can be useful to understand what other Kiwis in similar situations are earning (to ensure you're not getting underpaid), every person will be in a unique financial situation. If comparisons to others are only causing you anxiety and stress, try to focus on comparing yourself to yourself from a few years ago rather than others.

We're all on vastly different journeys, and up to a certain point, it doesn't make sense to compare yourself to other New Zealanders continually.
​

Try not to get too caught up in comparing yourself to others, and instead, remember that these are just averages and that focusing on your goals and progress will yield more results than constant comparisons.

Average NZ Salary by Age FAQs

Frequently Asked Questions

When do New Zealanders usually reach a positive net worth?

​It's difficult to determine a specific age at which New Zealanders reach a positive net worth as this differs heavily based on various factors, including education, skills, work experience, and industry. However, it's common for people to reach a positive net worth in their mid-to late-20s or early 30s as they enter the workforce and accumulate assets.

How long does it usually take New Zealanders to earn more than $100,000 in New Zealand?

It's difficult to determine a specific length of time it takes New Zealanders to earn more than $100,000, as this can vary based on education, skills, work experience, and the industry you work in. However, it's common for people to reach this income level in their mid-to late-30s or early 40s as they gain more experience and skills and progress in their careers.

Where can I find data on what Kiwis are earning? What about data related to Net Worth?

You can find the best data on earnings and net worth statistics in New Zealand from these three government organisations:
  • The Reserve Bank of New Zealand (RBNZ)
  • Statistics New Zealand (Stats NZ) 
  • The Ministry of Business, Innovation and Entrepreneurship (MBIE)

Where can I find data on the net worth of other people my age overseas?

The website Financial Samurai has relevant sources about net worth in the United States, for example it has articles about net worth figures of 30-year-olds and above-average people.

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      • Reviews
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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    • Warrant of Fitness
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
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    • Internet Speed Test
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Genesis Energy Review
      • Globug Review
      • Mercury Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
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