MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • 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
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • 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
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 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
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Childcare Subsidies in New Zealand

This guide explains what types of childcare subsidies are available, who is eligible and how you can maximise all the government-subsidised childcare support. We also list frequently asked questions to help you make your entitlements go further.

Childcare Subsidy NZ
Updated 19 August 2022

Summary
  • Raising a child is not cheap, especially when it comes to childcare. However, the New Zealand government has several schemes to assist new parents with childcare costs.
  • Childcare subsidies have often been complicated to understand as eligibility criteria varies.

Our guide covers:
  • The Childcare Subsidy
  • ECE
  • Frequently Asked Questions - General Childcare Subsidies
  • Other Subsidies Available (Besides the Childcare Subsidy or 20 hours ECE)

Know This First: What are the two main types of childcare subsidies in New Zealand?

Two main childcare subsidies are available in New Zealand. Please note, each programme has varying eligibility criteria (explained below). It’s important to note that the subsidies will typically not overlap, meaning if you are claiming one of these subsidies for a certain amount of time, you cannot claim the same amount of time from the other subsidies. However, getting both of these subsidies is possible in certain circumstances. We summarise the two subsidies below:

1. “The Childcare Subsidy” - this is for New Zealanders earning below a certain threshold and requiring additional help with childcare costs. For example, if you’re on low earnings, you may be able to receive a Childcare subsidy for up to 9 hours of preschool childcare a week, and in certain situations, you can get up to 50 hours a week.

Work and Income New Zealand administers the Childcare Subsidy programme. The early childhood programme you use must b
e registered with Work and Income to receive the benefit. You can see the current rates paid here (presented as per hour and per 50 hour week).

2. “20 Hours Early Childhood Education (ECE)” - this is a childcare programme that applies to all New Zealanders regardless of income or financial situation. "20 Hours ECE" is designed to make early childhood education more viable for New Zealand families. If your baby is three, four or five years old, you can get up to 20 hours per week of subsidised early childhood training supplied by the Ministry of Education.

Your child needs to be enrolled with an ECE provider listed by the Ministry of Education to qualify for the 20 hours of ECE. You can find the list of accredited ECE providers here. You can find more information on how to apply for this subsidy or read more about the programme here.

Childcare Subsidies Guide New Zealand

1. The Childcare Subsidy

More Details: Childcare Subsidies

Basics of the Childcare Subsidy: The New Zealand Childcare Subsidy is a programme that helps households reduce the burden of preschool childcare. Unlike the 20 hours ECE programme (outlined below), the childcare subsidy considers household incomes. The Ministry of Social Development (MSD) has established an online questionnaire to determine your eligibility for a Childcare Subsidy. Visit the tool here for more information. 

What are the eligibility requirements to get the childcare subsidy?
You may get Childcare Subsidy if:
  • You're the child’s main carer, and
  • You're a permanent resident, or you’re a New Zealand citizen, and
  • Your household is on a low/middle income, and
  • You typically stay in New Zealand and intend to remain here.

Additionally, there is a requirement that your child is: 
  • Under five years of age, or 
  • Over five if they're going to a cohort entry school, or 
  • Under six if you get a Child Disability Allowance for them. 

Finally, the child must attend an accepted early childhood programme for 3+ hours a week.

How many hours can I get paid for on the Childcare Subsidy?

A Childcare Subsidy is usually paid for up to 9 hours of childcare a week if you're no longer working, studying or training. You may also be in a position to get up to 50 hours a week if you are in one of these situations:
  • Working, studying or on a permitted education course
  • Involved in a job that Work and Income has requested you to do
  • A shift employee who works nights
  • Seriously sick or disabled
  • Caring for a baby in the hospital or a baby getting Disability Allowance.

Important: It's important to note that in most cases, you can't get the Childcare Subsidy for greater than 9 hours a week if the other parent/caregiver can care for them. Therefore, the provision for more than 9 hours above is typically for people that do not have any other option.

How much can I get from the childcare subsidy?

How amount you can get varies depending on:
  • How many people in your family
  • Your household income
  • The number of hours your child goes to the childcare provider per week.

Important: Childcare support begins from the day the childcare begins. All subsidies are paid directly to the childcare provider. You can see the current rates paid here (presented as per hour and per 50 hour week).

How can I apply to get a childcare subsidy?

  • It’s recommended to apply for the childcare subsidy a minimum of three to four weeks before you would like your subsidy to start. If you’re applying for just the childcare subsidy, you will need fill out the childcare assistance form here.
  • The expected childcare provider must also fill out a section on the form. Email this (along with any other relevant documents) to MSD’s childcare email address here or contact Work and Income to do this for you.
  • If you’re applying for the main childcare subsidy alongside other childcare payments, you can do this through MyMSD here. Work and Income will review the application and see what other assistance you’re eligible for based on the responses in your application.

Childcare Subsidies Guide New Zealand

2. ECE

More Information: 20 hours ECE 
 
Basics of ECE: If your infant is three, four or five years of age, you can get 20 Hours of ECE when you enrol your infant at an ECE-eligible provider. You can select which hours you'd like the programme to take up. It can be for any hours your infant is enrolled at the ECE provider (for up to six hours a day).
An attestation will be required to be eligible, where you document and record the days and hours you’re claiming as 20 Hours ECE. 20 Hours ECE can't be claimed until you have completed the attestation.

Most of the time, children attend primary school between the ages of five and six. Generally, all children from age six must attend primary school in New Zealand. The 20 hours ECE programme has been designed to bridge the gap between the infant years (zero to three years old) and primary school years (six years old onwards). As such, the last day of the 20 hours ECE programme is one day before a child’s sixth birthday.

Managing ECE - What You Need to Know:

Selecting different ECE hours
  • It’s important to notify the Ministry of Education (MoE) of any changes made to the structure of the ECE hours, such as the ECE hours or days taken. Specifically, the Ministry of Education will want to know if the hours and days of ECE taken or the ECE provider differs from the structure filled out on the attestation form. Examples include whether your child is not attending the ECE provider or attends another ECE provider for a significant period.
  • The MoE requires this information to ensure that parents are getting the right amount of hours per week and that there are no administrative complications that mean some parents don’t get the full benefits of 20 hours of ECE. Make sure to document the new ECE enrolment structure (such as how many hours and days your child will be at the ECE provider) when notifying the MoE of any changes. 

Extra fees
  • While 20 hours of ECE may not be completely free, the ECE-eligible provider cannot increase fees on the 20 hours protected by the programme. However, the ECE provider can charge you for hours that are not protected (any childcare provided above and beyond the weekly 20-hour limit).
  • So, for example, if your toddler is at an ECE provider for seven hours, and the maximum daily ECE hours eligible is six hours, the ECE provider can add additional standard costs for the one hour above the threshold. 

Optional charges
  • An ECE provider can ask you to pay non-obligatory charges or ask for donations. You are not legally required to pay for these charges, but many of these payments will go toward improving the quality of the ECE provider’s services. It is up to you whether you pay these charges or not.

Frequently Asked Questions (specific to the 20 Hours ECE)

ECE is designed to be straightforward but that's not always the case. To help make things clearer, we've listed a number of common queries to help you know how to get the most of your entitlement.

My ECE provider is shutting down for the school holidays, but I want to keep the same hours of ECE for that period. What can I do?

If your child’s ECE provider closes for the school holidays, you can use the 20 Hours ECE at any other ECE provider that hasn’t closed for the school holidays.

Are the 20 hours of ECE dependent on how much I make? Is it income-tested?

Regardless of how much parent(s) are earning, New Zealanders are eligible for up to 20 hours of ECE for a maximum period of 6 hours a day. Eligibility for 20 hours of ECE doesn't change depending on whether one or both parents return to work.

Is the 20 hours ECE programme free? Why is ECE still so expensive?

The "20 Hours Free ECE" programme, introduced in 2007, was initially intended to provide free childcare for 20 hours. However, this changed in 2009 when the programme was renamed "20 Hours ECE". The 20 hours ECE programme ensures that you are not charged additional or excessive fees, but these hours may still have associated costs. Without these subsidies, the costs charged by early childhood services could be significantly higher. The cost of these services varies and will depend on the location and quality of the early childhood service.

I work a lot more than 20 hours - what if I need more than 20 hours of ECE?

  • If you're working 20 hours a week or more, you may require more than 20 hours of ECE. For those that need above the 20 hours ECE provided, you may qualify for extra hours (which are subsidised by Work and Income). In addition, depending on your circumstances, you may qualify for up to 30 hours of subsidy above your 20 ECE hours (through the Childcare Subsidy).
  • Your eligibility for additional hours will be considered when you apply for your general application through WINZ. For more information, contact Work and Income here.

Are the 20 hours of ECE flexible?

Somewhat. Most childcare centres will have a set schedule of classes so families can pick and choose the classes that best fit the family's unique situation. For example, some families schedule early classes, while others work evening shifts and require evening classes.

What sort of facilities is eligible under the ECE programme?

The approved list of programmes is predominantly early childhood schooling and care services, such as kindergartens, preschools, education centres and childcare centres. Daycare for infants is not covered.

I already have an ECE Provider, but I’m not currently getting the 20 hours. What can I do?

  • If your child is already attending an ECE provider and you're paying full price, ask them if they provide 20 hours of ECE. If they don’t, you can identify an eligible ECE provider through this link here.
  • Childcare costs are subsidised once a child hits three years old, and the costs will go back to regular pricing when your child reaches the age of six (or when your toddler starts primary school, whichever occurs first).

I want my child to attend multiple ECE centres. How do I get the subsidy for both?

When you first sign up for 20 hours of ECE, the form will ask you to declare the specific days and hours to which the programme will apply. This schedule is flexible, and you can pick the best days/hours that work for you. However, there is a maximum cap per day of six hours and a maximum per week of 20 hours. Therefore, if your child goes to multiple ECE providers, so long as you don't exceed the maximum caps, you can divide the hours as you see fit (and as you outlined in the initial application form).

Can I get 20 hours of ECE and the childcare subsidy?

  • Families getting 20 hours ECE can’t get the Childcare Subsidy for the same hours, but getting both 20 hours ECE and the childcare subsidy may be possible. 
  • Sometimes, you can get a combination of the Childcare Subsidy and 20 Hours of ECE. Getting both programmes can occur if your Childcare Subsidy exceeds 20 hours a week. For example, if you're entitled to 30 hours of Childcare Subsidy and declare 20 Hours ECE, you may want to acquire the Childcare Subsidy for an additional 10 hours. However, the Childcare Subsidy can't be used for the same hours as 20 Hours ECE.
  • Ultimately, it will depend on your eligibility for both programmes separately. The best action is to speak to a Work and Income officer in charge of the childcare subsidy. Additionally, check the terms outlined in the agreements of the 20 hours ECE for more clarification.

Are 20 hours of ECE income tested? What about the childcare subsidy?

No - the 20 hours ECE is available to any child between three to five enrolled in an early childhood service registered by the MSD. On the other hand, the childcare subsidy is income-tested. For more information, please see the above summary sections.

Why does the government have the 20 hours ECE programme? Why is the ECE programme only up to 20 hours a week?

  • The rationale for a 20 Hours ECE programme is to give young children a strong foundation in education and learning. In addition, 20 Hours ECE incentivises parents to support their child's learning.
  • The 20-hour target is set to ensure consistent participation in high-quality ECEs. If the childcare programme is not intense enough (e.g. for not enough hours each week), children do not reap a big enough benefit.

Childcare Subsidies Guide New Zealand

Frequently Asked Questions - General Childcare Subsidies

What’s the difference between a childcare subsidy and 20 hours ECE? Are they the same thing?

  • The childcare subsidy and the 20 hours ECE are different programmes with different eligibility requirements.
  • The 20 hours ECE is intended to provide all new parents with support in early childhood education from the child’s age of three to five, regardless of income levels or situation. The childcare subsidy specifically targets families needing additional assistance.
  • ECE applies to everyone, while the other only applies to a specific set of families. 

What happens if our circumstances change that impacts my child's situation? For example, will we still get to keep our childcare assistance?

The childcare subsidy is normally reviewed at regular intervals. Significant events are likely to trigger a review, such as: 
  • The next day after your job/course ends
  • After 12 weeks, if you end work due to health reasons or injury
  • When your child reaches a certain age outside the eligibility for the subsidy
  • When your child leaves the childcare programme
  • If the child is no longer in your care.

Know This:
When your financial/family situation changes, work and income require you to notify them as these changes could impact the payments you're receiving. These can include whether you/your partner's income changes or the number of hours you work/study changes, whether your child moves to childhood programmes, whether your child stops attending for some time or starts/stops receiving 20 hours ECE. 

Which one is easier to receive? Twenty hours ECE or the childcare subsidy?

Generally, the 20 hours ECE will be much easier to receive and has less administration associated with the application process compared to the childcare subsidy. The 20 hours ECE form is easy to fill out and does not require extensive conversations with Work and Income like the childcare subsidy, given it is not income-tested. Typically, the application process is managed and completed through the ECE provider.

Childcare Subsidies Guide New Zealand

What Other Subsidies are Available Besides the Childcare Subsidy or the 20 hours ECE?

There are two other main subsidies that specific New Zealanders can qualify for:

1.
Guaranteed Childcare Assistance Payment (GCAP)
  • This programme may apply to your situation if you’re studying full-time (or work-based learning) and under 20 years of age with a toddler under five. In that case, you may also be able to get the Guaranteed Childcare Assistance Payment.

2. Out of School Care and Recreation (OSCAR) Subsidy
  • If you're on a lower income and have children aged five to thirteen years old, you may also be eligible to apply for the OSCAR subsidy to assist with the cost of school holiday care and before/after-school care.
  • Your household earnings must be below a certain level to qualify for the OSCAR subsidy. You can't obtain the subsidy if your partner is in a position to take care of them for the duration you’re studying or working (similar to the Childcare Subsidy above), except in exceptional circumstances. The subsidy is paid immediately through WINZ to the care provider.
  • You can apply for the OSCAR subsidy online. You can download the application form from the Work and Income site here or get a physical copy from your closest Work and Income centre. More data about OSCAR is on the Work and Income website.

Related Guides
  • ​Daycare Checklist
  • Working for Families Guide
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