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
        • 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 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
        • 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
        • Investing Guide
        • 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
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing 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
      • 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
      • 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
      • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Best Budget Apps for New Zealanders - The Definitive Guide

Avoiding running out of money is possible with budgeting apps - our guide looks at eight popular options that help New Zealanders to manage their money and make better financial decisions
NZ Best Budgeting Apps
Updated 6 June 2025
Keeping track of your day to day spending isn't easy, and it's not uncommon to find yourself declined once in a while when using a card. Budgeting apps have proven to be a popular way to get control of spending by seeing where you spend your money (and when it's likely to run out).

Whether you need an app that budgets your bills, alerts you to when your bank balance is running low, or something to split bills, our list covers the best available in New Zealand. Best of all, many of the apps are free, and all are available on iOS and Android devices.​

Know this first: Several of the apps integrate with New Zealand bank accounts. This means you'll have access to your data and can see your financial situation in a graph or table. We have highlighted each app's bank account sync-status under "Does it sync automatically with New Zealand bank accounts?"

booster budgeting app
mybudgetpal review
Your free guide to budget apps, thanks to Booster and mybudgetpal
  • This MoneyHub guide is sponsored by our friends at Booster who power the popular mybudgetpal
  • mybudgetpal is a free web app that gives you a complete view of your finances; it tracks your spending so you can compare spending over different periods and isolate areas or habits that need attention.
  • Best of all, it is 100% secure and syncs with all New Zealand bank accounts. 
Learn more about mybudgetpal

NZ Best Budgeting Apps

Our Top 8 Budgeting Apps for Everyday New Zealand Life

Our list below includes apps for a number of different purposes. Our Best Budget Apps include:
  1. ​mybudgetpal for Budgeting, Tracking and Saving
  2. Money Lover for Budgeting Simplicity
  3. PocketSmith for Anyone with Multiple Income Streams
  4. Splitwise for Splitting Expenses
  5. Fudget for a No-Frills App
  6. Spendee for Customisation
  7. ​CashNav for Automated Updates
  8. You Need a Budget to Help Anyone Living Payday to Payday

booster budgeting app
mybudgetpal review
Best Budget apps NZ

Booster's mybudgetpal

In a nutshell, Booster's mybudgetpal is a program that that synchs with your bank account and is free to use. Additionally, you don't need to be a member of the Booster KiwiSaver Scheme. 

Why we like it?
  • mybudgetpal gives you a complete view of your finances; it tracks your spending so you can compare spending over different periods and isolate areas or habits that need attention.
  • Spending limits are a feature (meaning you can save more and incur less unnecessary expenses by seeing where your money goes)

Does it sync automatically with New Zealand bank accounts?
Yes

Pros:
  • mybudgetpal syncs with your bank accounts every day and automatically sorts your transactions into expense categories. This means you can have a single view on where you're spending your money.
  • Spending limits help change behaviours.
  • A budgeting module lets you schedule upcoming bills and payment due dates to get motivated.
  • You don't need to be a Booster customer to use it.

Cons:
  • It's not an app as you access it via a secure website. The helpful FAQs explain that your data is safe and secure.

​Cost: Free
Website: Booster mybudgetpal App (online only, not available on the Apple App Store or Google Play)

Our Top-Rated All-in-One Budget App & Savings Account With Day-to-Day Flexibility

  • ​Savvy doubles as a budget app, offering comprehensive spending tracking functionality. This feature helps you monitor your spending habits by categorising your expenses, providing insights into your spending patterns, and highlighting areas where you can cut costs.
  • With detailed reports and visualisations, you can easily identify where your money is going and make informed decisions to improve your financial habits. This can be incredibly useful for identifying areas where you can save and improve your financial habits.
  • By setting spending limits and receiving alerts when you approach them, Savvy empowers you to stay on top of your budget and achieve your financial goals.
  • Unlike traditional bank accounts, which offer zero or low interest rates, Savvy isn't just a place to store your money; it's an investment in the Booster Savvy Fund, managed by Booster.
  • Booster is not a bank. This means a Savvy account is not a bank account. It does, however, provide transactional account functionality.
 
​What sets Savvy apart?
  1. High Returns: Enjoy a significant 3.25% p.a. return, reviewed monthly, with the potential for additional quarterly bonus returns.
  2. Instant Access: Withdraw your funds anytime, anywhere, with no penalty to the return you earn - a flexibility rare in the world of transaction accounts.
  3. Mastercard Debit Card: Thanks to the convenient Booster Savvy Card, your funds are always at your fingertips, usable throughout New Zealand and around the world wherever Mastercard is accepted.
  4. Payments: With Savvy you can make and receive payments to New Zealand bank accounts, set up automatic payments and use your card to pay subscriptions like Netflix or SkySport. Savvy does not allow Direct Debits however.
  5. Tax Efficiency: Structured as a PIE, Savvy is taxed at your PIR, capped at 28%, optimising your returns.
  6. Organise Your Funds: Savvy lets you divide your money into multiple 'stacks', automating your financial management plus it has savings tools and spending insights
  7. Digital First: Embrace the future with an app-based investment experience, available on both the App Store and Google Play.
  8. No Minimum Balance: Every cent in your account earns interest.
  9. 24/7 Access: The digital platform ensures that your funds are accessible anytime through the app and debit card, usable on the Mastercard network, EFTPOS and across ATMs.

More details: Our Savvy Review explains the product in detail, as does the Savvy website.
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Best Budget apps NZ
Best Budget apps NZ booster my budgetpal

​Money Lover

Money Lover sets out to make budgeting simple. With a free app, it offers an interface that is user-friendly, making it easy for anyone to enter transactions in just a few seconds. You don’t have to worry about re-entering recurring transactions, and in fact, it sends you reminders of your recurring bill due dates so you can say goodbye to late fees or credit card interest.

Why we like Money Lover?
You can set up a savings plan/goal, as well as a debt and loan repayment plan. Easily see where you stand with any of your goals, make adjustments as needed, and even scan your receipts for safekeeping. 

Does it sync automatically with New Zealand bank accounts?
No - you'll need to upload transactions manually. 

Pros:
  • Get the big-spending picture all at once
  • Works across all devices including phones, tablets, and PCs
  • It’s free
  • Works with any currency (i.e. NZD) and updates it according to current exchange rates
  • See your spending in categories, making it easier to determine where you need to cut back

Cons:
  • You must manually input transactions rather than automatic uploads.

Cost: $0 
Website: Moneylover.me
Apple App Store: Download (rating 4.6/5)
Google Play: Download (rating 4.5/5)

Best Budget apps NZ PocketSmith
Best Budget apps NZ PocketSmith

PocketSmith

Most budgeting apps don’t accommodate more than one income; PocketSmith does. Whether you have two jobs or a day job and a few side gigs, track all your income in one place with PocketSmith.

Why we like it?
PocketSmith offers the ability to forecast your cash flow. If FIRE (financially independent, retire early) is on your radar, you must master this skill.
Pocketsmith offers the tools to make this easier, by allowing you to forecast a budget to help achieve your goals

Know this: PocketSmith is free if you manually input your transactions and want to project your cash flow for 6 months ahead. If you want auto synching and to forecast your cash flow for 10 years to truly achieve FIRE, the paid plans start at NZ$9.95/month. 

Does it sync automatically with New Zealand bank accounts?
Yes

Pros:
  • Has a safe-to-spend feature so you always know how much you can spend without going over your budget
  • If you have a paid account, all transactions are updated automatically via bank feeds from NZ banks
  • Forecasting your budget/a cash flow is the key to financial security and freedom
  • You can cancel at any time (or change your plan)
  • It’s affordable for what it provides, and if you pay upfront for 12 months, there is a 25% discount

Cons:
  • It’s got a hefty learning curve for the average user, but the efforts pay off with full oversight into all your money
  • The free plan is pretty basic

​Cost: Free to NZ$19.95/month, depending on what features you want.
Website: Pocket Smith
Apple App Store: Download (rating 3.3/5)
Google Play: Download (rating 3.6/5)

Best Budget apps NZ SplitWise
Best Budget apps NZ SplitWise

Splitwise (for Splitting Expenses)

​Do you live with flatmates or share expenses with friends and family? Keeping track can get difficult, right? Splitwise makes it easy to keep track of every detail, including the total bill, how much each person owes and the outstanding balance. 

Why we like it?
Splitwise works with any type of expenses, whether you’re splitting a trip, the rent, or a restaurant bill. You add expenses in less than a minute on your phone and track payments as they come in. Once you settle up, just input the amount paid, and the balance automatically updates. 

Does it sync automatically with New Zealand bank accounts?
No - you'll need to upload transactions manually. 

Pros:
  • You can split bills/expenses with anyone and track them in the app
  • Splitwise sends reminders at month-end, so everyone knows where they stand
  • You can settle your amount owed at any time
  • You can settle up in any form of payment, but you must enter cash payments manually
  • It’s free

Cons:
  • You may be subjected to ads in exchange for the ‘free’ app
  • You can’t track your own expenses, only shared expenses

Cost: Free
Website: Splitwise
Apple App Store: Download (rating 4.4/5)
Google Play: Download (rating 4.4/5)

booster budgeting app
mybudgetpal review
Your free guide to budget apps, thanks to Booster and mybudgetpal
  • This MoneyHub guide is sponsored by our friends at Booster who power the popular mybudgetpal
  • mybudgetpal is a free web app that gives you a complete view of your finances; it tracks your spending so you can compare spending over different periods and isolate areas or habits that need attention.
  • Best of all, it is 100% secure and syncs with all New Zealand bank accounts. 
Learn more about mybudgetpal

Best Budget apps NZ Fudget
Best Budget apps NZ Fudget

Fudget

Sometimes you just want something straightforward that looks at your budget, tells you where you stand and that’s it. Fudget provides just that. While it doesn’t have a lot of bells and whistles, that’s what some people love about it - it keeps everything simple.

Why we like it?
You can create multiple budgets, tracking your income and expenses, knowing where you stand at any time. You set up the frequency of reporting, daily, weekly, or monthly, and can choose your currency, using the app on any Android or Apple device.

Does it sync automatically with New Zealand bank accounts?
No - you'll need to upload transactions manually. 

Pros:
  • It’s easy to use – anyone can get set up and using it in minutes
  • You can set up recurring deposits or withdrawals by clicking the star next to the item
  • If you mark your expenses as paid, you can view reports on only what you’ve spent
  • It’s secure with passcode login 
  • Adding or changing an item takes only seconds

Cons:
  • Some users say it’s too simple
  • You can’t create categories

Cost: US$6.99 one-time fee (around NZ$11) 
Website: Fudget
Apple App Store: Download (rating 4.8/5)
Google Play: Download (rating 4.7/5)

Spendee App NZ
Spendee review NZ

Spendee

Sometimes you want to add manual transactions to an app, whether you pay cash or something changes and you want to update your budget app. Spendee offers the best of both worlds, automatically syncing with all major New Zealand bank accounts, but also allowing manual updates too. This allows for more accurate record-keeping, especially if you do a great deal of spending in cash.

Why we like it?
  • Spendee syncs with ANZ, ASB, BNZ, Co-operative, Kiwibank, TSB, Westpac and PayPal. 
  • Spendee allows you to create budgets for each category, alerting you if you’re nearing your limit. It’s like someone tapping you on the shoulder and telling you not to spend – sometimes that’s all we need. We love the infographics that make it easy to see at a glance how you’re doing, rather than reading reports and trying to decipher them. A quick glance at an infographic while in the store may be enough motivation not to spend.

Does it sync automatically with New Zealand bank accounts?
Yes

Pros:
  • You can add multiple bank accounts, so you have all budgeting information in one place
  • Automatic categorization to save you time and hassle
  • You can set up multiple budgets for different categories
  • You can share your wallet or budget with others, which is great for group gifts, weddings, or large events 
  • You can track cryptocurrency too

Cons:
  • The graphs are basic, which may leave a little to be desired if you want detailed reporting
  • It doesn’t recognize manual transactions as recurring transactions

​Cost:  US$22.99/year (around NZ$37/year) if you want bank synchronisation
Website: Spendee
Apple App Store: Download (rating 4.5/5)
Google Play: Download (rating 2.9/5)

Best Budget apps NZ CashNav Westpac
CashNav Westpac

CashNav (Westpac Customers Only)

If you aren’t the type to manually enter transactions, consider CashNav. You link your everyday bank account to it, and CashNav uploads your transactions automatically. Now there’s no excuse why you can’t budget. CashNav automatically categorises your expenditures, but you can change the categories if they aren’t right. The only thing you can’t change is the category names themselves.

Why we like it?
  • CashNav offers robust reporting options, of which our favourite is the comparison of this month’s spending to previous months. This keeps you accountable. If you spent more, figure out what happened and what you can change.
  • Maybe you need to budget for unexpected expenses better or you need a sinking fund for holidays and irregular expenses. If you spent less, congratulate yourself and put the ‘extra’ money away to save for a rainy day.

Does it sync automatically with New Zealand bank accounts?
Yes - but as it's a Westpac app, only Westpac bank accounts feed into CashNav.

Pros:
  • CashNav sends reminders when you haven’t used the app in a while keeping you on track with budgeting
  • It’s easy to set up and link to your debit and credit card accounts
  • It’s free to use (it's marketed as a Westpac customer benefit)
  • You can easily identify where you spend too much or too often and figure out ways to pull back
  • You can view daily summaries, which can be empowering when you’re trying to get motivated

Cons:
  • You can’t enter transactions manually, such as cash transactions
  • You must be a Westpac customer to use it

​Cost: Free
Website: Westpac CashNav
Apple App Store: Download (rating 2.2/5)
Google Play: Download (rating 2.8/5)

Best Budget apps NZ YNAB
Budget app NZ YNAB

​You Need a Budget

Living payday-to-payday is anything but fun; and according to research from the BNZ, 41% of New Zealanders do it.

You Need a Budget ('YNAB') helps stop this from happening. Using the ‘envelope method’ it helps you live on last month’s money, not the money you didn’t earn yet. 

YNAB focuses on ‘ageing’ your money so that eventually, you have 30 days of expenses in your account at all times. What would it feel like to not rely on the money that’s coming in – paying your bills late because you haven’t gotten paid yet or not paying them at all if you have an irregular income? 

Why we like it?
YNAB looks forward not backward – so rather than looking at the money you spent and can’t get back, you look at your money moving forward. YNAB claims it’s easier to budget that way or at least it’s harder to overspend when you’re looking forward. You’re less likely to make a mistake when you’re aware of it. 

Does it sync automatically with New Zealand bank accounts?
No - you'll need to upload transactions manually. ​

Pros:
  • YNAB automatically syncs across all devices, so all household members are on the same page and don’t overspend unknowingly
  • You can set up goals and learn how to achieve them.
  • It works on iOS and Android phones, Apple Watch, Alexa, and iPads
  • You’ll learn a whole new budgeting method
  • It’s flexible, letting you roll with the punches when life throws you financial lemons

Cons:
  • You have to use it consistently for it to work because it’s a whole new way of budgeting
  • It’s rather expensive for a budgeting app. Our view is that, if used correctly, it will save over NZ$200 a year in fees, interest charges and other costs. But at $4/week, it's a commitment to anyone already financially stretched. 

Cost: US$134.99 per year (around NZ$200/year) 
Website: You Need A Budget
Apple App Store: Download (rating 4.8/5)
Google Play: Download (rating 4.3/5)

Best Budgeting Apps NZ

Best Budgeting Apps - Our View

  • Before downloading and setting up a budgeting app, think about what you want to achieve and how much data you're comfortable with sharing. Specifically:
  1. Do you trust an app to link to your bank account?
  2. Would you prefer the automated updates?
  • If you're fine with these, it's best to focus on the apps that link to your bank account (as not all do) given benefits from the power of your data.
  • Alternatively, if you’d rather be in charge of inputting the transactions, consider a manually updated app – many of which are free because of the lack of updating they must do.
  • Don’t overlook the other features - setting goals, viewing reports and having everything on one screen gives you powerful information. The general idea is to help you know what’s ‘safe to spend’ at any given time. 
  • Budgeting is important, and making it easy is even more important. Find the app that you think is easy, fun, and are most likely to use consistently to stay on budget.

booster budgeting app
mybudgetpal review
Your free guide to budget apps, thanks to Booster and mybudgetpal
  • This MoneyHub guide is sponsored by our friends at Booster who power the popular mybudgetpal
  • mybudgetpal is a free web app that gives you a complete view of your finances; it tracks your spending so you can compare spending over different periods and isolate areas or habits that need attention.
  • Best of all, it is 100% secure and syncs with all New Zealand bank accounts. 
Learn more about mybudgetpal

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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • What To Do if You Bought a House at the Peak of the New Zealand Market
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      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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    • Building a House
      • NZCB Review
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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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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    • 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
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Orcon Broadband Review
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      • Skinny Review
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      • Starlink Review
      • Voyager Broadband Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity 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
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    • 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
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      • Stealth Wealth
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
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      • How to Maximise Income in Retirement
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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