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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The Real Costs of Owning a Car in New Zealand

If you're considering buying a car, it's important to understand the real costs of ownership beyond the upfront cost. Our guide explains upfront and ongoing costs and how to minimise car ownership costs.
Costs of Owning a Car NZ
Updated 25 April 2025
Summary
  • A car is necessary for most working New Zealanders, especially in cities with suburbs far apart, such as Auckland. Unless you live in a city with a top-tier public transportation system (which arguably only Wellington would fall into), you're probably going to need a car if you're working or have a family.
  • However, with the majority of cars on the road being non-electric (petrol or diesel) and the government's mandate to transition New Zealand to a cleaner, greener economy, fuel excise taxes and EV subsidies have meant more Kiwis are considering new car purchases.
  • Many people thinking about buying a new car will assume that the car's price tag will be the bulk of the cost associated with driving. However, owning a car comes with many ongoing, hidden and longer-term costs above and beyond the initial purchase price.
  • Know This: ​Some car-related costs are more obvious than others, but the easiest way to classify them is to separate them into fixed and variable costs. Fixed costs are those that don't change the more that you use your car. So you'll still pay these costs even if your car sits in your garage for the whole year. In contrast, variable costs will change depending on how much you use your car. 

To help you understand the real costs of owning a car, our guide covers:
  • What are the Main Fixed Costs that Come with Owning a Car?
  • What are the Main Variable Costs that Come with Owning a Car?
  • When is the Best Time to Replace My Car?
  • Must-Know Facts about the Costs of Owning a Car
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his views on the costs of owning a car:

"I was inspired by a Reddit discussion where someone described cars as  'Anti-Wealth Builders'. The points made suggested someone living in Auckland, commuting by car every day, would spend around $5,000 to $10,000 a year on a car. When looking at that over ten years, it adds up to as much as $100,000. And remember, this is money you'll have to pay after tax, which makes it a significant percentage of average salaries around New Zealand".

"Specific costs incurred every year can include (for the typical driver) petrol (around $3,000), maintenance ($1,000), insurance ($1,000), parking ($500) and renewing a Warrant of Fitness and Registration ($300). Add in annual depreciation, which is almost unavoidable (and anything from $100 for an old car to $10,000+), and you have an expensive asset with high ongoing costs".

"Private transport is arguably a huge money spinner in terms of taxes (petrol GST, road user charges, car sale GST, all the GST from car repairs, mechanic shops, retail shops for accessories etc.). Unfortunately, this means that car owners can't avoid the costs, although there are many ways to minimise them (as this guide outlines)".

"The alternative is public transport, but for many people not already using it, taking a bus or train will add a significant amount of time to their journey and the lack of convenience. The costs of this time may be more than running a car. You'll likely need a car - the design of New Zealand's cities makes it that way. However, car dependency is a real poverty trap for many New Zealanders and can cost much more than you budget. For this reason it's essential to consider pushing the costs of car ownership down as much as you can".

"The reality is a cheap reliable car is a proven way to save on what can be big costs. The biggest cost driver is car finance, which is often a burden for many drivers who get caught up in securing a high-spec car and paying a lot of interest over many years. I believe keeping life simple is the way to go - wealthy people tend to drive boring cars".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


Costs of Owning a Car - Fixed Costs NZ

What are the Main Fixed Costs that Come with Owning a Car?

Four main fixed costs come with owning a car:
  • The car’s initial purchase price
  • Car Insurance
  • Car Financing
  • Warrant of Fitness and Registration

1. Initial Purchase Price

  • ​The first fixed cost you'll likely need to pay when considering car ownership is the initial purchase price you pay for the car.
  • This purchase price is fixed as you'll only pay once when you get the car and won't have any ongoing costs associated with the purchase.
  • The initial purchase price will vary drastically depending on your vehicle type and whether the vehicle is new or used.
  • Make sure to determine what you can afford relative to your household income level, existing debt balances and current expenses - too often cars cause New Zealanders financial misery and pain for the long-term.

2.Car Financing or Lease Payments

  • While not everyone borrows to buy a car, many households have some form of debt financing for their EV or petrol cars. Given the high price of newer cars, many New Zealanders have turned to car loans, especially during COVID-19, when interest rates were pushed to record lows and the lack of supply of cars forced prices up.
  • For those not able to purchase a car outright, using car finance can be an affordable way to bridge the gap and get the vehicle you may need for family or work reasons. But it's essential to understand the additional costs and burdens associated with financing a car. The reality is it's too common for Kiwis to get snowed under with multiple debt burdens (mortgage debt, credit card debt, personal loan debt, car debt etc.) so make sure you ask whether the economics of car financing makes sense for you and your situation.
  • With the Reserve Bank of New Zealand increasing the official cash rate sharply in the last few years to battle inflation, this has pushed interest rates on everything from mortgages to car loans which car finance loans around 8% to as high as 25%.
  • You'll be paying more interest the longer your loan is for, increasing the ultimate cost of owning the car. This interest expense is one of the highest hidden costs to car ownership, so make sure you negotiate the lowest interest rate possible and choose shorter loan terms if you can handle the monthly repayments. The shorter the loan, the less your car will ultimately cost you.

More details: Car Finance

3. Insurance

  • Insurance is one of the more significant fixed costs associated with owning a car. Insurance is a fixed cost because once you've bought a car insurance policy, you'll need to pay the same amount (or more) each year regardless of how much you drive or whether you drive the car.
  • While your policy can be third party or fully comprehensive, the costs will vary based on your car, location, age, driving history and other factors such as the excess you choose.
  • Comprehensive insurance policies cover you for most car-related incidents (including accidents, theft, fire, vandalism and storm damage, and any damage done to someone else's property or car). Third-party car insurance only covers unintentional damage to someone else's property or car.
  • If you've only got third-party car insurance and get into an accident, the insurer will not cover the costs of repairing your car.
  • If you’re taking out financing on a car purchase, it’s generally a condition of the car financing that you must take out comprehensive car insurance before they can approve the financing.

More details: Our guide to car insurance explains more.

4. Warrant of Fitness (WOF) and Registration (Rego)

  • All vehicles on roads in New Zealand must be registered and have a valid Warrant of Fitness. Generally, WOF and registration fees will vary depending on the type of vehicle. Most of the time, a WOF and rego will need to be renewed each year, with some vehicles requiring a WOF being renewed more frequently due to the age of the vehicles.
  • The cost of each WOF/rego will also change depending on the type of vehicle (such as diesel or electric), the quantity of CO2 it emits and whether it's used for personal or commercial use.
​
More details: Our guide to car registration costs guide explains more.

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

​MoneyHub's Top Car Finance Options - Avoid high interest rates and fees with our trusted lenders.
  • We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
  • Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals. 
  • Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
  • Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
  • Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
  • Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.
Simplify Car Loan Award
Simplify Car Finance
Visit Simplify
Harmoney Secured Car Loans NZ
Visit Harmoney

Compare Car Insurance Quotes With Our Top Two Insurers:

Our comprehensive car insurance research has identified Tower Insurance and Cove Insurance as leading options in car insurance based on value and coverage. Consider getting quotes from these insurers for a well-informed decision:
  • Tower Insurance: Known for its extensive and competitive car insurance policies, Tower Insurance stands out in our comparison review. Their policy encompasses many benefits, making it a preferred choice for many and popular with MoneyHub readers whose circumstances offer an attractive quote.
  • Cove Insurance: As a notable contender in the market, Cove Insurance offers comprehensive policies with competitive pricing, excluding under-21 drivers to focus on quality coverage. Alongside Tower, Cove is popular with MoneyHub readers looking for cost-effective cover.

Requesting a quote is straightforward and quick, requiring only about two to five minutes of your time. Comparing and switching insurers could lead to significant savings, and both Tower and Cove are known for their attractive offerings to new customers.
​

Advertising Disclosure: Our reviews and research focus on price and coverage. MoneyHub may receive a commission for quotes or policy acquisitions. For more information, please refer to our Advertising Policy.
Tower Car Insurance NZ
Cove Car Insurance NZ
Tower Car Insurance
Cove Car Insurance

Costs of Owning a Car - Variable Costs NZ

What are the Main Variable Costs that Come with Owning a Car?

Three main variable costs come with owning a car:
  • Fuel
  • Ongoing maintenance
  • Unexpected repairs

1. Fuel (petrol or power)

  • Fuel is one of the highest ongoing costs that Kiwis will have to pay weekly regarding owning a car.
  • Because the cost per litre of petrol generally fluctuates depending on supply and demand factors (and the strength of the NZD as oil is bought in USD), how often and where you drive each year varies, it's difficult to accurately forecast how much money you'll need to spend on petrol each year. That said, it's reasonable to reduce the amount of petrol you use by choosing a more economical car or driving conservatively.
  • For electric vehicles (EVs), the cost of running the car is significantly lower, given the relative cost of electricity (per kilowatt hour) versus petrol (kilometres per litre). This decreased cost is one of the biggest benefits of switching to an EV over continuing to run your petrol car.

2. Ongoing Maintenance

First, it's important to identify the difference between ongoing maintenance and repairs. Generally, maintenance is defined as routine fixes that every vehicle needs to stay on the road. Ongoing maintenance occurs gradually and is usually done when the car is still running (meaning you could theoretically still drive the car without making any changes). However, to maximise the life of your car, it's generally recommended to maintain it continually.

Ongoing maintenance includes things like:
  • Oil changes
  • Fluid top-offs
  • Tire balancing and rotation
  • Alignments
  • Car washes (to maintain the paint on the car)
  • Filter replacements

Know This:
  • The "wear and tear" is something that every car owner experiences at one point or another. The more you use something, the more likely it is to break down and need to be maintained. Whether it's tyres, brake pads or windscreen wipers, the components of a car need to be maintained for them to continue functioning.
  • Additionally, most road regulations (through WOF and regos) will require the car's parts to be at a minimum standard or will not pass these inspections.
  • For example, changing car tyres every 40,000km - 50,000km is recommended. The cost of maintaining the various parts of the car will vary depending on the specifications, quality and type of car you have. So it's worth researching to find the best quality part from the most reliable supplier at the lowest price.
  • The reason that ongoing maintenance is considered variable is that as you continue to use your car, you can expect more maintenance activities (like oil changes, car washes and filter replacements) to be required. 

3. Unexpected Repairs

Unexpected repairs, on the other hand, are unplanned fixes to broken parts due to an accident or other incident that wasn't related to "wear and tear". Importantly, repairs focus on essential things that need to be fixed urgently and happen "acutely" rather than gradually (like ongoing maintenance). Repairs include things like:
  • Leaky transmissions
  • Falling suspension components
  • Bad wiring and electronics
  • Brake failure

​Repairs are considered variable because as you continue to use your car, you can typically expect more repair costs to arise. However, out of all the variable costs listed above, unexpected repairs are the most difficult expense to predict. 

Costs of Owning a Car - Best Time to Replace a Car NZ

When is the Best Time to Replace My Car?

​Vehicles don't last forever, but replacing a car is often expensive and creates further monthly outgoings if you need to take finance. As a result, many New Zealanders ask whether they need to upgrade or downgrade their car every few years.

Below are some of the common situations to consider when thinking about replacing your car:

1. Lifestyle/family changes

The person you were when you first purchased your car is likely to be completely different to the person you are when you consider to change your car. For example, you might have been a university student and bought a small, cheap car that you used to get from A to B. Now, you may have a young family or spend more time commuting than going on road trips. Whatever the case, your car should change as your situation significantly changes.
​
A few examples of significant changes that could warrant changing your car include the following:
  • Larger families generally require larger vehicles that come with more seats.
  • Larger motors are likely to be able to handle more off-road conditions.
  • Newer model cars likely come with the most up-to-date safety and protection features, which are likely to be far more important to you and your family than it was when you were younger.
  • As inflation bites and the cost of living increases, it may not be as economical to drive large gas-guzzling 4x4's that aren't fuel efficient and that you're only using to commute to work and back.
  • Getting a new job with a longer commute requires a more reliable and fuel-efficient car. 

2. Continued maintenance issues

Generally, as a car gets older, it requires more frequent maintenance. Over time, as cars age, the cost of maintaining a car can become unmanageable or cost too much each year relative to the carrying value of the car. If you notice that you're constantly taking your car in to get repaired, it could be a signal to change your car.
​
While newer cars are typically less likely to break down and need repairs, you're likely to pay a significant upfront cost. So kiwis will need to weigh whether they would rather pay a smaller fixed upfront cost for a used car and continually pay a higher variable cost through repairs or a high upfront cost with minimal variable costs through repairs. 

3. Fuel efficiency

Most modern cars are significantly more efficient than older cars on a kilometres per litre basis. Additionally, most EVs are now significantly cheaper to run compared to traditional internal combustion engines (ICEs), meaning it may make more economic sense to buy a new/EV version of the same car you have. You should be able to find many used hybrid and electric vehicles on marketplaces like Trade Me.

Fuel-efficient vehicles also have smaller carbon emissions footprints, which are better for the environment. However, note that fuel-efficient cars are generally more expensive compared to older ICE cars, although government subsidies exist.

4. Budget constraints

If your finances have recently changed, your current vehicle may not fit your budget. For example, if you've recently been made redundant or have taken a lower-paying job and are struggling to meet your car payments, it can make sense to swap your car. In contrast, if you've been promoted and are making more money, you could likely justify upgrading your car to suit your needs.

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

​MoneyHub's Top Car Finance Options - Avoid high interest rates and fees with our trusted lenders.
  • We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
  • Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals. 
  • Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
  • Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
  • Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
  • Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.
Simplify Car Loan Award
Simplify Car Finance
Visit Simplify
Harmoney Secured Car Loans NZ
Visit Harmoney

Compare Car Insurance Quotes With Our Top Two Insurers:

Our comprehensive car insurance research has identified Tower Insurance and Cove Insurance as leading options in car insurance based on value and coverage. Consider getting quotes from these insurers for a well-informed decision:
  • Tower Insurance: Known for its extensive and competitive car insurance policies, Tower Insurance stands out in our comparison review. Their policy encompasses many benefits, making it a preferred choice for many and popular with MoneyHub readers whose circumstances offer an attractive quote.
  • Cove Insurance: As a notable contender in the market, Cove Insurance offers comprehensive policies with competitive pricing, excluding under-21 drivers to focus on quality coverage. Alongside Tower, Cove is popular with MoneyHub readers looking for cost-effective cover.

Requesting a quote is straightforward and quick, requiring only about two to five minutes of your time. Comparing and switching insurers could lead to significant savings, and both Tower and Cove are known for their attractive offerings to new customers.
​

Advertising Disclosure: Our reviews and research focus on price and coverage. MoneyHub may receive a commission for quotes or policy acquisitions. For more information, please refer to our Advertising Policy.
Tower Car Insurance NZ
Cove Car Insurance NZ
Tower Car Insurance
Cove Car Insurance

Costs of Owning a Car Must Know Facts NZ

Must-Know Facts about the Costs of Owning a Car

Costs of Owning a Car - Must Know Facts NZ

Shop around for the best car insurance deals.

Some insurance groups are known for offering more cost-effective rates than others, so it's important to compare and contrast various insurance policies to get the best deal possible. For more information on car insurance, check our guide.
Costs of Owning a Car - Must Know Facts NZ

Refinance your car loan interest rate if possible.

Some car loan providers can give better financing rates if you switch over to them; our guide to car loan refinance has more details. There are zero downsides to checking what other car loan providers are willing to lend you money, and with changes to interest rates, it's very common for car financing rates to fluctuate. Additionally, with interest rates continuing to rise, locking in car loan rates for longer can save you thousands.
Costs of Owning a Car - Must Know Facts NZ

Take your car in for servicing or a checkup BEFORE issues crop up.

Regarding car repair costs, it's best to be proactive and maintain or take your car in for servicing before something breaks. Taking your car in for regular servicing reduces the cost of maintaining the car rather than replacing something broken. Routine checks can also detect issues that will likely come up later, meaning you can plan your finances and services around these issues. Having an emergency fund helps considerably with such expenses.
Costs of Owning a Car - Must Know Facts NZ

Be aware of the indirect factors that impact your car finances.

While this guide has identified the most tangible costs, like fuel, registration and financing, other indirect costs also need to be factored in. For example, parking and depreciation can all impact owning your car; you can't use a car without a place to park it, and your car is likely to drop in price regardless of what you do to it, thanks to depreciation. Other factors that may additionally have an indirect cost include extended warranties (such as the dubious MBI, GAP and PPI), breakdown service subscriptions and road user charges.
​
Depreciation isn't a cost
but something to remember if or when you eventually decide to sell your car. Generally, new cars lose their value much faster than older cars, so buying used cars and maintaining them can be one way to reduce the amount the car depreciates each year.
Costs of Owning a Car - Must Know Facts NZ

Check your car insurance contract for exclusions that aren't included in the policy.

Many Kiwis have purchased "fully comprehensive" insurance but rarely read the policy in detail. Make sure you fully understand which situations you are or aren't covered under your policy to ensure you aren't blindsided in the event of an incident or accident. Our guide to Car Insurance has more details.
Costs of Owning a Car - Must Know Facts NZ

If you've opted for car financing, go through the contract with a fine tooth comb.

Take the time to review the financing contract as thoroughly as you can before signing it. Generally, car loan providers will include special provisions that either result in unexpected fees, variable interest rates or irregular payment cycles that can catch many people off guard.

Negotiate lower establishment or ongoing fees associated with your car financing. Most car loan providers will still do the deal and can negotiate on the margins, so it's important to ask if these exceptions are possible. The stronger your credit profile, the more room for negotiation.
​
Remember that the shorter your loan period, the less interest you’re likely to pay. Our guide to Car Finance has more tips and facts.

Costs of Owning a Car NZ Frequently Asked Questions

Frequently Asked Questions

Do used cars depreciate as rapidly as new cars?

​New cars depreciate much more quickly than used cars. While all cars depreciate over time, new cars will lose value much faster simply because they start at a much higher cost and are no longer new. Generally, older cars have depreciated significantly, meaning there isn't much residual value left to lose. 

Car finance rates are rocketing up. I can't afford my car payments. What can I do?

​If you are struggling to make your car payments, the best advice is to contact your car loan provider and try to negotiate a better rate. If this doesn't work, you have the option to refinance with lenders who offer competitive rates.

If you're still unable to make things work and having a car is essential for your work or family life, you may have to consider downsizing your car or other elements of your budget that you can use to save money and ensure you can continue to meet your car payments. If you default on your car payments, the car loan provider has the legal right to repossess the car and likely charge additional fees associated with the default (which would be the worst-case scenario).

How should I think about sunk costs related to car ownership?

It can be difficult to let go of a car you've had for years and have spent significant money repairing. However, try to frame your situation in light of the expected costs you'll likely incur in the future and what makes the most economic sense for your unique situation.
​
The time and money you've put into the car have served their purpose (to get you where you need to go safely and efficiently). However, this doesn't mean that putting additional time and money into the car is worth it. 

Why are used cars so expensive? Have they gone up in price recently? What about fuel?

TradeMe (one of the top online used car marketplaces) has stated in 2021 report that the median asking price for used motors has increased by around 35%. TradeMe has attributed this rise to the persistent COVID-19 lockdowns that have influenced supply (while in lockdown) and demand (with more people coming back into the workforce or upgrading to EVs).

However, the more significant factor for many Kiwis is the rise in fuel prices due to supply shocks, coupled with the fuel excise tax implemented by the New Zealand government. Over the last few years, fuel costs have rapidly increased which has made filling up a car incredibly expensive.
​
For top tips on reducing driving costs in the era of rising prices, check out our guide.

I just bought a car from a dealership and am worried about getting ripped off. What protections do I have?

Any new and used cars sold at a registered dealership are covered by the Consumer Guarantees Act. If you run into any issues that weren’t previously disclosed before you purchased the car, then the seller is obligated to repair, replace, or refund you. However, this will depend on a case by case basis. For more information, check out the Consumer Guarantees Act's breakdown.

What are some of the benefits of changing my car?

There are a few benefits to changing cars:
  • New cars are generally more fuel efficient than older cars.
  • A hybrid or electric vehicle will be cheaper to run.
  • A different car can match your needs better.
  • Newer vehicles generally require less maintenance.

What are the drawbacks of changing my car?

  • Buying a new car will likely require a lot of upfront costs, even if it reduces your variable costs in the longer term (like ongoing maintenance costs).
  • Repairs on newer cars are generally more costly than on older cars.
  • Depreciation on new cars is significantly higher than depreciation on older cars. 

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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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      • Health Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • 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
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      • How to Manage Higher Mortgage Payments
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • Best House Price & Valuation Websites in New Zealand
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    • Selling a Home
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      • Bridging Finance
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      • Interest Deductibility Changes
    • Building a House
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      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • NZ Superannuation in a Nutshell
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Perpetual Guardian
  • Travel
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • 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
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • One NZ Broadband Review
      • Orcon Broadband Review
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      • 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
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • How to Maximise Income in Retirement
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • 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
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
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