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 Wellington
          • Financial Advisers Christchurch
        • 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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
      • 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
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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8 Profitable Side Hustles Specific to New Zealand

Avoid pitfalls and time-wasting part-time opportunities with our exclusive guide to sustainable and lucrative side hustles.
Best Side Hustle Ideas New Zealand
Updated 13 March 2025

Summary
  • Side hustles have become popular throughout New Zealand as more people look to make incremental income.
  • This guide has been put together to help you decide what side hustle is best for you, making sure you evaluate all the options and take into account relevant considerations. 

Our guide covers:
  • Our Top 8 Side Hustles for New Zealanders
  • ​How to market and promote your side hustle?
  • How do I decide which side hustle is right for me?

Must-Read 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
  • 10 Things to Do Differently with Money Right Now
  • Top 20 Supermarket Ripoffs​

Know This First: The Side Hustles (Probably) Best Avoided, As Outlined by MoneyHub Founder Christopher Walsh:

  • Important: There’s a lot of snake oil out there, with people promising flows of money without having to do much at all. The catch is always the same – you need to pay an upfront fee. These ‘gurus’ promote themselves heavily on YouTube, selling everything from foreign exchange trading platforms to ‘education investments’ where you become a management consultant.
  • Unless you are comfortable with losing money upfront, side hustles that seem too complicated and heavy in upfront fees are probably best avoided.
  • Every week MoneyHub receives at least one email from a New Zealander who has looked for a side hustle that has involved an upfront payment before turning sour. It leaves emotional pain and embarrassment.
  • I've seen so much throughout New Zealand - dodgy investment schemes, pyramid selling products, property investment schemes that risk your home, religious-themed multi-level marketing and online trading courses. All of it is best avoided.
  • This guide contains only genuine side hustles with a proven track record of delivering a regular income to those who provide their time and skills.
Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and Head of Research


Maximise Your Side Hustle Earnings with Booster Savvy – The Smart Money Tool for Side Earners

  • ​Side hustles are a great way to boost your income, but what if your everyday money could work harder too?
  • We are big fans of Booster Savvy—a game-changing debit card and account that blends seamless spending with a standout 3.75% p.a. return (net of fees, reviewed monthly).
  • Unlike traditional bank accounts offering little to no interest, Savvy invests your funds in the Booster Savvy Fund, turning your hard-earned cash into a passive income stream. Booster isn't a bank, so it's free from low-rate traps—your money grows while you spend.
  • Better still, Booster Savvy lets you track all of your expenses, helps you isolate costs, and helps you see where your money goes. It is a proven way to save more alongside any side hustles you undertake.  
  • Know More: Read our full Savvy Review or visit their website to see how it can supercharge your side hustle earnings (and save you money by allowing you to review your expenses easily).​
Visit Savvy
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Best Side Hustle Ideas New Zealand

Our Top 8 Side Hustles for New Zealanders

Our list includes everything from passive side hustles (renting a spare room and saving money) to on-demand side hustles like rideshare driving, creative work and dog walking. If you have any suggestions or tips, please contact our research team.
Best Side Hustle Ideas New Zealand

Rent a spare room - it's immediate extra money and does have tax benefits

If you rent or own a home, and there's a spare room, you can earn up to $40,000 "tax-free" by deducting the costs from the income. Yes, you will have people in your house, sitting on your sofa, using your kitchen etc., but the extra money can be considerable.

How does this work? 
It can be complicated and requires some calculations, but if you persist, there are savings to be had. Firstly, for flatmates, you can deduct the allowable rental expenses incurred when you live with your flatmate(s). While your income will be boosted from a spare room revenue, you can minimise the tax you need to pay by calculating what you incur as a percentage of the total use. The IRD helpfully outlines this step-by-step guide.

Renting out a room to boarders or homestay students offers up to $40,000 per year of tax-deductible costs
The IRD lets you deduct up to $194 per boarder per week under its standard cost method. There is a maximum of four boarders, so the total allowance is just over $40,000 per year ($194 X 4 rooms X 52 weeks). However, this method assumes you'll include expenses such as power, phone, internet, food, streaming subscriptions etc. You'll need to pay for these from the "revenue" you receive.

Estimated earnings: $100 to $300 a week, depending on the property and location. Tax deductions will vary based on your use and how many rooms you can rent/offer to boarders.
Best Side Hustle Ideas New Zealand

Sign up for Online Surveys

Online surveys will never be as lucrative as a part-time job or starting a business. Still, they do provide reliable, incremental income to those prepared to help market researchers know more about spending habits. Best of all, they can be completed whenever – this NZHerald podcast explains how they work, and why they can be a good idea.
 
Estimated earnings: Someone who regularly submits surveys can realistically make around $100 - $200 per month. We suggest registering with iSay to start making money online. This top-rated survey website is part of a massive global company and pays rewards as promised, with no trickery. The more you do, the more bonus opportunities there are.

Our guide to online surveys highlights the best companies operating in New Zealand. For a full list of survey websites, some open to New Zealanders, we suggest reading this British-based list of best surveys, which goes into extensive detail. 

MoneyHub's Top Reliable Picks - Quick Registration, Guaranteed Rewards
We've identified three outstanding survey websites renowned for their reliability and consistent rewards for New Zealanders.
  1. Start with iSay: As your first stop, iSay stands out for its user-friendly interface and diverse survey options. It's a straightforward way to begin your online earning journey, and we suggest you do it before enrolling in any others.
  2. Then consider Valued Opinions and Opinion World​ -  both offer user-friendly, regular and relevant survey opportunities.​

Why choose these platforms?
  • Reputable backing: All three recommended sites are operated by globally recognised companies, ensuring legitimacy and prompt reward payouts.
  • Long-term rewards over one-off gains: Unlike fleeting survey chances, our recommended platforms offer sustained reward opportunities, maximising your long-term benefits.

Know this: Signups take around 30 seconds to a couple of minutes, and the rewards offered are long-term, making them more attractive than one-off survey opportunities.
Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and Head of Research

Register with iSay
Register with Valued Opinions
Register with Opinion World

Best Side Hustle Ideas New Zealand

Find a part-time job that has regular hours

There are plenty of part-time jobs available, and dedicated part-timers get more opportunities for better shifts. Part-time jobs provide money, new friendships and a variation from the routine.
 
The hours may be inflexible - you may start on Friday night and Saturday night hours, which aren’t sociable, but those loyal (and reliable) are often rewarded with better shifts. Part-time positions can lead to full-time jobs and tend to pay weekly, so you won’t wait long for money. Our guide to part time jobs extensively lists options available.
 
Estimated earnings: Around $18 - $20/hour
Best Side Hustle Ideas New Zealand

List services on Fiverr

Fiverr is a huge marketplace for business owners looking to engage professional services, such as logo design, content writing, PowerPoint preparation, web design and even app building and video marketing. What you earn depends on the value of the services you offer, known on Fiverr as ‘gigs’. For example, a web design gig is more valuable than a data entry gig, but it also can be more competitive as many sellers offer their services.
 
Our guide to working on Fiverr explains the opportunities, pros and cons. If you’ve been thinking about becoming a Virtual Assistant, Fiverr lets you ‘try before you commit’ by taking on ad-hoc work for specific one-off projects.
 
Alternative: If you’re skilled in crafts and not so much in design services, ETSY is a popular platform to sell homemade craft items. The website attracts millions of buyers daily, and customers can order from all over the world. Like Fiverr, ensuring a long and happy existence on the platform revolves around consistently delivering quality and keeping buyers happy and informed.
 
Estimated earnings: Fiverr charges a 20% fee. For example, if you charge $100 for a service, you’ll receive $80, and Fiverr keeps $20. How much you earn depends on what you offer and how many clients order your services.
Best Side Hustle Ideas New Zealand

Buy and Sell on Trade Me

Using Trade Me to flog imported goods is possible, but it takes a lot of skill, and there is some risk. The most popular items are phone chargers, cases, battery packs, and adaptors. However, there is no golden ticket to Trade Me riches – it’s hard work fielding questions, and if you don’t deliver or ship on time, you risk reputational damage.

Estimated earnings: It’s impossible to put a number on potential earnings as every Trade Me business is different, but there is money to be made from regular small-value item sales. Our Trade Me selling tips has helpful information to boost sales.
Best Side Hustle Ideas New Zealand

On-demand services for neighbours and those in your area

Dog walking is big business. People love their dogs, and many are comfortable spending whatever it costs to ensure their dogs are happy. If you’re available from 9am to 5pm, setting up a dog walking service can be a lucrative option. Better still, the more dogs you manage, the higher your hourly earnings.
 
If dogs aren’t your thing, becoming a local babysitter is another option. While the hours will almost certainly be in the evening, babysitting and child-minding are in-demand services. While apps and websites exist to list your services, the old-fashioned approach of word-of-mouth often works best. 
 
Alternatively, many households are happy to pay for cleaning services if you don't want to look after dogs or children. If you find cleaning stress-relieving or deeply satisfying, this could be the side hustle for you.
 
Estimated earnings: It ranges; a one-hour dog walk could command as much as $20, but if you have five dogs on the go, that’s $80 to $100 per hour. Babysitting earns minimum wage. Cleaning can pay low wages, so you’ll need to market yourself as a premium service to avoid getting minimum wage rates. If you do so, a house cleaning that takes an afternoon (four hours) could earn as much as $150.
Best Side Hustle Ideas New Zealand

Drive for a rideshare company (like Uber) during peak hours and surge events

There’s little point logging on to Uber trying to pick up customers at 8am on a Saturday when there’s no demand - you’ll earn peanuts. However, with a few simple tactics, you can increase your earnings. Sporting events and concerts can often be big honeypots of Uber bookings; people leaving stadiums and theatres all at once increases what you can earn.

Additionally, not everyone goes home – they can bar-hop and then need a ride home when the bars close (another time for surging demand). So, a rugby match that finishes at 9:30pm can provide 3-4 hours of high-demand Uber bookings and reward drivers with extra money. If there’s bad weather, more demand equals more money. Traffic may be heavier (i.e. leaving the roads around a stadium), but the laws of supply and demand mean the value of the rides surge. The problem, however, is car insurance – most standard policies don’t cover ride-sharing, so you’ll need to invest in appropriate insurance.

As an alternative, Uber Eats and other food delivery apps let you take advantage of surge times (i.e. 5pm to 9pm), and if you use your bike, you won’t need to worry about insurance.

Estimated earnings: $25-$35 per hour is standard for an Uber or Ola drive, but you need to deduct petrol and car costs from that amount. This is why only operating during surge periods can be far more lucrative. 

Best Side Hustle Ideas New Zealand

Cut down on expenses

The easiest way to have more money is to spend less. Expenses, big and small, all add up – it’s far easier to cut back on unnecessary purchases than it is to spend 10 hours a week on a side hustle.
 
Estimated earnings: Cost-cutting, if done with discipline, can easily ‘earn’ an average household around $50 to $100 a week. Our 20 Easy Ways to Save LOTS on Household Bills guide covers how you can cut down on costs you won’t miss, or don’t see the benefit of. 

Maximise Your Side Hustle Earnings with Booster Savvy – The Smart Money Tool for Side Earners

  • ​Side hustles are a great way to boost your income, but what if your everyday money could work harder too?
  • We are big fans of Booster Savvy—a game-changing debit card and account that blends seamless spending with a standout 3.75% p.a. return (net of fees, reviewed monthly).
  • Unlike traditional bank accounts offering little to no interest, Savvy invests your funds in the Booster Savvy Fund, turning your hard-earned cash into a passive income stream. Booster isn't a bank, so it's free from low-rate traps—your money grows while you spend.
  • Better still, Booster Savvy lets you track all of your expenses, helps you isolate costs, and helps you see where your money goes. It is a proven way to save more alongside any side hustles you undertake.  
  • Know More: Read our full Savvy Review or visit their website to see how it can supercharge your side hustle earnings (and save you money by allowing you to review your expenses easily).​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Best Side Hustle Ideas New Zealand

​How to market and promote your side hustle

  • Marketing can be expensive, but it doesn’t need to be if you do it right.
  • What side hustle you choose will influence what marketing you'll need. Platforms like Fiverr, Trade Me and Etsy all have millions of visitors every week, so landing a sale depends on how you promote yourself using sales copy.
  • The best way to succeed is to look at the sales description from top-rated sellers and adapt it to your product or services. This way, you’re using a proven formula. To build trust, you’ll need to have multiple customer reviews and ensure they are 5-star or similar.
 
If you’re setting up a side hustle that is based on offline services, then you should promote it both offline and online. For example, if you’re offering dog walking, pet minding, babysitting/childminding, gardening/watering or lawn mowing services, the best way to establish yourself is as follows:
  1. Put together some flyers and distribute them around the neighbourhood. If you come up with the words and details, you can pay around $30 on Fiverr.com for a professional to design it. This makes you stand out, and, being local, trusted. The more local you look, the higher the chance of success.
  2. Set up a Facebook Business page (it’s free), invite your Facebook friends to like it, and this will give you traction. Ask customers to leave reviews.
  3. Promote your services on Facebook groups for the relevant local area and special interest, also look at websites like Neighbourly and any other website that has a strong local following.
  4. Consider a Google Business listing (it’s free). This puts your business on Google Maps, meaning people searching for your services can find you. Best of all, you don’t need a website – Google lets you link a Facebook Business page to your listing.
  5. Regular letterbox flyer distribution gets you remembered – printing the ads is cheap, so a monthly mailout around your local area can help boost your customer numbers. 

Best Side Hustle Ideas New Zealand

How do I decide which side hustle is right for me?

Deciding on the right side hustle takes some consideration - we've listed what's most important to help you maximise the value of your time.
Best Side Hustle Ideas New Zealand

It has to be worthwhile financially; otherwise, there’s a risk you’ll give up

Consider what your time is worth and price your services accordingly. For example, don’t undersell your time and skill. If you’re launching a business, never offer to do anything for free – you won’t be taken seriously, and it will be hard to win clients. Additionally, your expertise has value – don’t agree to do online surveys if it takes one hour to earn $2. There are great market research survey platforms desperate for more New Zealanders; sign up for the right one.
Best Side Hustle Ideas New Zealand

Convenience is essential to sustaining the side hustle

Side hustles need to be nurtured and developed; for this to happen, they need to fit in with your lifestyle and routine. People like online surveys, because they can load them up on their phone while they wait for an appointment or relax at home. If you live near a supermarket, working there part-time is more accessible than having to cross town using a bus (which may not be running after your shift finishes). In summary, the easier it is to do the side hustle, the longer you will want to do it.
Best Side Hustle Ideas New Zealand

A side-hustle that you dread doing won’t last long

Life is too short for toxic side hustles – they have to be fun. If you don’t like dealing with helicopter pet owners, dog walking may not be for you. If you don’t like deadlines, working online using Fiverr or Etsy probably isn’t suitable. And if you are in the habit of being a TV remote hog, sharing your home with a flatmate may cause issues. The success of a side hustle comes down to how much you enjoy it. If you find something that you like, you’re giving yourself the highest chance of success.

MoneyHub's Top Reliable Picks - Quick Registration, Guaranteed Rewards
We've identified three outstanding survey websites renowned for their reliability and consistent rewards for New Zealanders.
  1. Start with iSay: As your first stop, iSay stands out for its user-friendly interface and diverse survey options. It's a straightforward way to begin your online earning journey, and we suggest you do it before enrolling in any others.
  2. Then consider Valued Opinions and Opinion World​ -  both offer user-friendly, regular and relevant survey opportunities.​

Why choose these platforms?
  • Reputable backing: All three recommended sites are operated by globally recognised companies, ensuring legitimacy and prompt reward payouts.
  • Long-term rewards over one-off gains: Unlike fleeting survey chances, our recommended platforms offer sustained reward opportunities, maximising your long-term benefits.

Know this: Signups take around 30 seconds to a couple of minutes, and the rewards offered are long-term, making them more attractive than one-off survey opportunities.
Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and Head of Research

Register with iSay
Register with Valued Opinions
Register with Opinion World

Related Guides:
  • Part-Time Jobs
  • Working on Fiverr
  • Trade Me Selling Tips
  • Make Money Online
  • Best Online Paid Surveys
  • Ways to Save
  • Budgeting Apps
  • Free Financial Literacy Classes
  • Free Financial Products
  • 50/30/20 Budget Calculator
  • Budget Planner
  • Tips for Families on a Single Income

​Essential Reading:
  • 20 Ways to Save LOTS on Household Bills
  • 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
  • ​10 Things to Do Differently with Money Right Now
  • Top 20 Supermarket Ripoffs
  • For a full list of survey websites, some open to New Zealanders, we suggest reading this British-based list of best surveys, which goes into extensive detail. 
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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      • Graduating Without a Job
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  • Financial Independence
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  • Life Essentials
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    • Shopping Resources
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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