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

Our guide explains the full recurring and non-recurring costs of cat ownership. We also outline the top facts you need to know and the most frequently asked questions New Zealanders have regarding cat costs.
Picture
Updated 10 March 2025

Summary
  • Cats are known for making great companions that require relatively little maintenance. However, many New Zealanders don't realise that the costs associated with owning a cat (like buying, raising, feeding and caring for a cat) can vary widely, causing much uncertainty for household budgets.
  • Cats need a safe and comfortable home, as well as food, water and toys to keep them occupied and happy. Cats also need to visit the vet for regular checkups and vaccinations. All these things come at a price, so if you're considering getting a cat, you should consider all the associated expenses before deciding. Additionally, it can be hard to understand how much a cat can cost them throughout a cat's life.
  • This guide explains the full recurring and non-recurring costs of cat ownership. We also discuss the most frequently asked questions New Zealanders ask and the top facts you need to know regarding cat costs.

Our guide covers:
  • Understanding the Main Costs Associated with Owning a Cat - Upfront and Ongoing
  • Must-Know Facts about Cat-Related Costs
  • Our Conclusion
  • Frequently Asked Questions

Disclosure: Many of the costs below are approximations based on the typical expenses associated with owning a cat in New Zealand, but this information will inevitably be subject to shifts or changes depending on your unique situation and other factors such as the cat’s lifespan, how much you’re prepared to spend on your cat, and so on. All costs displayed below are annual estimated costs unless described in the one-off section or stated otherwise.

Compare Pet Insurance Quotes from New Zealand's Most Trusted Insurers, Relied on by Thousands of Pet Owners:

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Our pet insurance research has identified the top pet insurers offering unbeatable prices and value. We suggest getting instant quotes from Southern Cross, PD Insurance, and Cove before exploring the wider market—this way, you can be confident you're getting the best possible deal. Our view is this:
  • Southern Cross: Trusted for its comprehensive coverage and customer-focused policies, Southern Cross is a leading choice for pet owners. Their plans cover everything from routine care to major surgeries, ensuring your pet's health is fully protected. As a not-for-profit with a strong reputation for paying claims, Southern Cross also offers options for dental care, vaccinations, and wellness benefits, making keeping your pet healthy and happy much easier. Plus, you can save with their exclusive discounts - a 5% additional pet discount if you're insuring more than one pet, a 2.5% discount for Southern Cross Health Society members, and another 2.5% discount for setting up a direct debit.
  • PD Insurance: PD Insurance covers 100% of vet bills (subject to claim limits and exclusions), with flexible excess options ($100, $150, or $200). With a quick, two-day reimbursement process for accepted claims and no lock-in contracts, PD Insurance is a hassle-free option. They also offer a "buy online, get the first month free" promotion, making it even more appealing. Plus, only one excess is charged per claimable event, so follow-up bills won't cost extra.
  • Cove: Cove's Major policy is ideal for those who want budget-friendly premiums with coverage for large, unexpected vet bills. With flexible payment options and no long-term contracts, Cove easily manages your policy. Plus, they offer your first month free (worth up to $100) on your first policy, adding even more value.
  • Getting a quote from these top insurers is quick and easy—just two to three minutes is all it takes to see how much you can save.
  • Advertising Disclosure: We may receive a payment from a pet insurer if you purchase a policy through our links. Our shortlist is based on coverage quality, claims history, flexibility, and value.
Southern Cross
PD Insurance
Cove

Costs of Owning a Cat NZ

Understanding the Main Costs Associated with Owning a Cat - Upfront and Ongoing

​The guide has been segmented into three distinct cost sections. Below is a breakdown of some of the key costs associated with cat ownership in New Zealand:

1. One-Off Costs
Category
Estimated Annual Cost
​Cost of Purchasing the Cat 
$125 - $2,000+
Cat’s Bed/Tower
$100 - $1,000
Fencing Around the Property
$0 - $3,000 (depending on how much existing fencing around the property there is)
​Spaying/Neutering
Around $400 to $500
​Microchipping
Between $35 - $70
2. Essential Recurring Cost
​Category
Estimated Annual Cost
Cat Food
$400 - $1,200
Cat Litter
$100 - $500
Vet Consultation
$50 - $80 (per 15 minute consultation)
Annual Vaccinations
$40 - $200
3. Non-Essential Recurring Costs
Category
Estimated Annual Cost
Pet Insurance
Around $200 - $300 (basic insurance plans)
Cat Treats
Around $200
Cat Toys/Accessories
$200 - $400
Cat Collars
$10 - $100
Kitten Training
$200 - $1,000
Cat Grooming
$50 - $100 (per session)
​Cattery
Around $30 - $100 (per day)
​We will break down each cost listed in the guide below:

One-Off Costs

​There are several one-off costs associated with bringing a new cat into your home:

The Cat Purchase Price

If you're adopting a cat from the SPCA, the first cost you'll need to pay is the adoption fees, which can range anywhere from $125 to $300 depending on the cat's breed, age, and health. If you're looking to get a cat from a breeder, you can expect to pay anywhere from $500 to $2,000.
 
Note that most cats from the SPCA may already come vaccinated or spayed/neutered. However, when purchasing from a breeder, be sure to factor in the costs of spaying or neutering as well as any shots that may be required, as breeders may not have done these procedures before you purchase the cat. 

Cat Bed/Tower

While your cat may decide to sleep on your bed, New Zealanders usually buy a dedicated cat bed for their furry friend, generally a round bed or a tower. The average cost of a cat bed or tower varies extremely depending on the size and materials used. However, cat beds/towers generally range from $100 to $2,000 for multi-storey plush towers that can house multiple cats.

Spaying/Neutering

If you adopt your cat from the SPCA or another shelter organisation, it will likely already be spayed or neutered. However, if you purchase them from a breeder, you'll likely need to take your cat to a vet clinic to get this operation done, which will be an additional cost you need to factor in. Spaying and neutering usually cost between $120 and $400, depending on the sex of the cat and where you live. 

More details: Desexing a cat

Microchipping

​Microchipping is the method used to keep track of your cat. The microchip is usually implanted beneath the cat’s skin, making it harder to detect and remove than collars or tags. ​The typical cost of microchipping is usually between $35 and $70.

Essential Recurring/Ongoing Costs

In addition to one-time costs, some recurring costs are associated with owning a cat. Most costs below are incurred at least once a year. Some of the most popular essential recurring costs include:

Cat Food

Food is one of the biggest ongoing expenses of a cat owner. Generally, most pet owners feed their cats wet and dry food to ensure that their cat is properly hydrated (from the wet food) and that a cat's dental health is supported (from the dry food). Depending on the cat's size, you can expect to spend anywhere from $30 to $100 per month (c. $400 - $1,200 per year) on food for generic brands. For more premium food brands, you'll likely be paying $200+ ($2,400) per year. 

Vet Consultation

Even if your cat is healthy now, it may eventually need to see a vet for routine checkups, teeth cleaning, or accidents (not to mention unexpected illnesses or injuries that may come up). Consultations are normally around 15 minutes and are a good opportunity to check that your pet is healthy, behaving correctly and has no underlying issues. Unfortunately, the average vet consultation bill is c. $50 (with some being more expensive depending on where you live).

More details: Vet costs in New Zealand

Cat Litter

Like cat food, cat litter prices vary widely depending on the quality and type. Clumping litter tends to be more expensive than non-clumping litter. However, clumping litter is much easier to clean up. Generally, for a normal size cat, a 3kg bag of clumping litter lasts about a month. If your cat is an outdoor cat, you may need to spend less on cat litter as they'll likely go to the bathroom outside. For the basic clumping litter, it'll cost $10 - $20 per month on litter costs. The more premium litter may cost upwards of $40 a month.

Vet Consultation

Even if your cat is healthy now, it may eventually need to see a vet for routine checkups, teeth cleaning, or accidents (not to mention unexpected illnesses or injuries that may come up). So it's recommended to take your cat in for a checkup once a year. Consultations are normally around 15 minutes and are a good opportunity to check that your pet is healthy, behaving correctly and has no underlying issues. Unfortunately, the average vet consultation bill is c. $50 (with some being more expensive depending on where you live). 

Annual Vaccinations

​Your cat will also need annual vaccinations to protect against diseases or infections. Vaccinations can cost anywhere from $40 to $200, depending on the age and health history of the cat. 

Optional Recurring/Ongoing Costs (non-essential costs)

While the above costs are considered "essentials" and are likely necessary to ensure your cat is given the minimum required care, several recurring costs aren't strictly necessary. Still, many cat owners decide to spend to enhance their cat's health and happiness. Therefore, most costs below are incurred at least once a year. Some of the most popular optional recurring costs include:

Pet Insurance

While technically not essential and likely not necessary for kittens, pet insurance is heavily recommended for cats in early to middle age when more health-related issues can crop up. It will cost roughly $250 for the basic plan but note that the plus or premium plans will cost significantly more each month (but come with higher coverage amounts and lower excess amounts). Also, note that the SPCA (as a non-profit) also offers pet insurance.

More details: Compare Pet Insurance and Is Buying Pet Insurance Worth It?

Cat Treats

Above and beyond the usual standard cat food, cat treats are a great way to feed your cat outside of traditional feeding breakfast, lunch or dinner feeding times. Cat treats are a useful way to complement training your cat tricks, rewarding good behaviour or just keeping them happy. In addition, cat treats are relatively inexpensive, with a packet costing around $15 (lasting for a few weeks). 

Toys and Chews

​Toys and chews are a great way to keep your cat out of trouble and entertained. Most cat toys usually cost around $20. However, the cost of cat toys can vary dramatically depending on the size, complexity and quality. 

Cat Toys and Accessories

Generally, cats are much happier and healthier when they have toys and accessories to play with. A scratching post is the most popular cat accessory, which has the dual effect of entertaining your cat whilst also ensuring your furniture doesn't get scratched up.
 
Other types of toys, such as mice, balls or laser lights, can keep them entertained and encourage them to get exercise, especially if they're indoor cats. Expect to spend around $30 per month on toys and accessories for your cat. However, the cost of cat toys can vary dramatically depending on the size, complexity and quality. 

Cat Collars

Cats are known to roam around when left to their own devices outside, so they need to have a collar to let others know that the cat isn't stray and has an owner. If a cat doesn't have a collar, other neighbouring households may assume it's a stray and start to feed your cat, which can confuse the cat as it may associate "home" with multiple places. Cat collars are relatively inexpensive, ranging from $10 to $100. 

Cat Training

​For those keen to minimise cleaning and expedite the bathroom training process, kitten training can be an ideal way to get your kitten up to speed on things such as bathroom training, aggression control or general reductions in cat anxiety levels (especially if they have been rescued and subsequently adopted). But, unfortunately, cat training costs anywhere from $200 to $ 1,000 per month. 

Cat Grooming

For those looking to give their cat a treat, cat grooming can be a great way to outsource this process and get your cat feeling its best. Cat grooming sessions usually cost $50 per session and can go to $100+, depending on where you live.

Cattery

Cats are happy being on their own and are "low maintenance" relative to other pets. However, if you're going to be away for long periods (like overseas travel or on a road trip), even cats get lonely and need interaction with other people or cats. Catteries are one way to keep your cat happy, healthy, and interacting with people without you having to be there physically. Most cattery services will sit around $30 - $100 depending on the quality of service, vacancy/space and location of the cattery.

Compare Pet Insurance Quotes from New Zealand's Most Trusted Insurers, Relied on by Thousands of Pet Owners:

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Our pet insurance research has identified the top pet insurers offering unbeatable prices and value. We suggest getting instant quotes from Southern Cross, PD Insurance, and Cove before exploring the wider market—this way, you can be confident you're getting the best possible deal. Our view is this:
  • Southern Cross: Trusted for its comprehensive coverage and customer-focused policies, Southern Cross is a leading choice for pet owners. Their plans cover everything from routine care to major surgeries, ensuring your pet's health is fully protected. As a not-for-profit with a strong reputation for paying claims, Southern Cross also offers options for dental care, vaccinations, and wellness benefits, making keeping your pet healthy and happy much easier. Plus, you can save with their exclusive discounts - a 5% additional pet discount if you're insuring more than one pet, a 2.5% discount for Southern Cross Health Society members, and another 2.5% discount for setting up a direct debit.
  • PD Insurance: PD Insurance covers 100% of vet bills (subject to claim limits and exclusions), with flexible excess options ($100, $150, or $200). With a quick, two-day reimbursement process for accepted claims and no lock-in contracts, PD Insurance is a hassle-free option. They also offer a "buy online, get the first month free" promotion, making it even more appealing. Plus, only one excess is charged per claimable event, so follow-up bills won't cost extra.
  • Cove: Cove's Major policy is ideal for those who want budget-friendly premiums with coverage for large, unexpected vet bills. With flexible payment options and no long-term contracts, Cove easily manages your policy. Plus, they offer your first month free (worth up to $100) on your first policy, adding even more value.
  • Getting a quote from these top insurers is quick and easy—just two to three minutes is all it takes to see how much you can save.
  • Advertising Disclosure: We may receive a payment from a pet insurer if you purchase a policy through our links. Our shortlist is based on coverage quality, claims history, flexibility, and value.
Southern Cross
PD Insurance
Cove

Costs of Owning a Cat NZ

Must-Know Facts about Cat-Related Costs

While the monetary side of cats can look daunting, don't forget all the benefits of having a cat.

​Research has shown that having a pet is excellent for people's mental and physical health. These intangible benefits shouldn't be overlooked and can easily result in many more years of youthful life for many ​New Zealanders.

When swapping some activities out, owning a cat won't be as expensive as you think.

Whether swapping your expensive gym membership for cuddling up with your cat or bringing your friends together to have a cat hangout instead of going out, the savings you could make by substituting current costs can help offset the ongoing costs of having a cat. 

Cats will generally live longer than other pets.

Cats typically live for around 15 years, compared to dogs that will live for around 11 years on average. Therefore, you should be prepared for cat ownership's longer-term commitment and cost.

While most cats are healthy, they can be susceptible to certain diseases and health conditions.

Cats become more susceptible to health conditions as they age. Generally, these health conditions can be expensive to treat, such as diabetes or cancer. These conditions can be extremely expensive and usually require months of treatment. If you don't have pet insurance in place when the cat is in middle age, you won't be able to take out a policy once the cat gets into old age. Keep this in mind when your cat starts to get into middle age.

More details: Compare Pet Insurance and Is Buying Pet Insurance Worth It?

Cats are generally less time-intensive and more independent than dogs.

​While most dog owners will need to take their dogs for walks daily, shower them with attention and continuously interact with them daily, cats are significantly more independent. Of course, all cats have different personality types, but generally, cats will spend a significant portion of their time sleeping. When awake, cats usually prefer to explore outside or lounge around. This behaviour can be both a benefit and a drawback of getting a cat, so make sure you're aware of the typical behaviour of a cat before getting one.

The amount of time a cat spends outside will impact longevity and health.

Generally, cats that spend more time outdoors will get more exercise, promoting better health and longevity. However, cats that spend time outdoors may get into more fights with other cats (given a cat's territorial nature), which may result in more visits to the vet from cuts and injuries due to catfights. On the other hand, outdoor cats also spend substantial amounts of time in the sun. This sun exposure may increase the risk of cancer due to sun exposure over the long term. Keep these in mind when deciding how long to let your cat outside. 

Ideally, try to have either an emergency fund or pet insurance.

​If you decide against purchasing pet insurance, make sure you've got an emergency fund that you can use to pay any vet bills that arise. If you don't have this in place, your cat may unexpectedly come back from a fight with severe injuries that require an operation that could cost thousands. Another tip is to allocate the money you would've spent on pet insurance into a separate saving account for the emergency fund to act as a replacement for the pet insurance. This strategy can be a good way of ensuring you have enough money to cover any unexpected cat costs without taking that money out of your monthly budget.

Costs of Owning a Cat NZ

Our Conclusion

  • Cats can be extremely expensive, so it's important to research what you're getting into (both financially and mentally). In addition, before deciding to get a cat, it's important to factor in all the associated costs so that you can be prepared financially when your cat arrives.
  • However, relative to other investments or purchases in your life (such as children, holidays or cars), many New Zealanders conclude that the intangible benefits of having a cat far outweigh the monetary costs of a cat.

Costs of Owning a Cat NZ

Frequently Asked Questions

What are the benefits and drawbacks of getting a kitten versus a middle-aged cat?

Generally, a kitten will be more expensive to buy than a middle-aged cat, as many New Zealanders prefer to be present in the cat's life from an early age. Also, generally, middle-aged cats run into more health issues than kittens, given they've already lived for a significant period. Therefore, getting middle-aged cats can be significantly more costly.
​

Having said that, most cats will live between twelve and eighteen. This scenario means that even if you get a cat that's seven or eight years old, it may still live for over a decade from when you get them. Usually, middle-aged cats will already have developed concrete personality and behaviour traits, be much calmer compared to kittens and have lower maintenance.

Vet bills are so expensive! Where are the best places to go to reduce my vet bills?

Vets are notorious for not having standardised pricing across vet clinics. As a result, some vets offer lower prices for the same services, so they can pay to look around and find the best place. For more information, visit our guide to vet pricing.

Is owning a cat worth it?

That'll all depend on you and what you want out of it. For some, a cat can bring immense joy and passion to your life. For others, a cat can provide a cuddly friend for a family and young child as they're growing up. However, owning a cat isn't free and comes with many responsibilities. Whether a cat is worth it will vary for each person. 

How much will it cost to adopt a cat from the SPCA?

The adoption fee for kittens from the SPCA is $200. The adoption fee for cats (considered older than five months) is $125. This kitten/cat cost includes desexing, microchipping, and vaccinations. Adopting a cat can be a great alternative if you want to adopt a cat on a budget.

What's the rough cost of getting a cat desexed?

The cost of spaying/neutering a cat depends on the specific vet, but it usually ranges from $200 - 400.

What are the costs of getting a kitten versus getting a middle-aged cat?

Generally, getting a kitten will be more expensive than getting a middle-aged cat. However, it's important to consider that the middle-aged cat may run into health issues that could be costly down the line. Most cats live between 12 to 18 years, and smaller cats (generally eating less and having slower metabolisms than bigger cats) usually live longer than smaller cats. 

At what point is it infeasible for me not to get a cat?

There's no set point where you shouldn't go and get a pet. However, weighing all the pros and cons associated with getting a cat and the ultimate costs that come with cat ownership is important. Ultimately, if you aren't able to feed, tend and care for the cat due to the costs associated with cat ownership, you probably shouldn't get a cat.

It would be much easier on you, your family, and the cat (that would ideally go to a new owner) if you didn't get a cat if you can't afford to support it for the entirety of its life. Many cats are either sent to the SPCA, abandoned or put down every year because cat owners cannot tend to and care for them. Make sure to ask yourself whether you can financially support the cat before actually going to get one. 

Are cats more expensive to buy than dogs?

While it depends on the breeds, you're comparing. Generally, cats are less expensive than other household pets (such as dogs). However, if the cat is purebred, it can be significantly more expensive than other household pets. For example, unique breeds such as the Norwegian Forest Cat can easily cost thousands of dollars, given their rarity in New Zealand.
​
However, for those adopting a cat from the SPCA, it can be relatively inexpensive, costing $125 - $200 and will usually already be desexed, microchipped and vaccinated (saving you another few hundred dollars). 

How much money will I need to have set aside for the first year before I get a kitten/cat?

While it will vary heavily depending on the breed of cat you want, the typical costs you’ll likely incur (and the money you’ll want to have set aside) can range anywhere from $1,000 on the lower end to $4,000+ on the upper end (this is excluding purebred cats, which will add a few thousand to this number).

How much will it cost to maintain and care for a cat each year?

The New Zealand Companion Animal Council surveyed pet owners (in 2015) to understand the typical ongoing cost of maintaining and supporting a cat for a year. The rough estimate was around $700 a year (for comparison purposes, the rough estimate for maintaining and supporting a dog for a year was $1,700, more than twice the cost of supporting a cat). Note that this survey was conducted many years ago, and inflation is likely to have pushed this ongoing cost to over $1,000.

How much will a cat cost over the entirety of its life?

It will vary depending on the breed and how long the cat lives. However, if we assume the average cat lives fifteen years and costs c. $1,000 a year with an initial upfront cost of $2,000 in the first year, the cost of a cat over its lifetime will be around $17,000. Note that this doesn't include some non-essential costs, which may significantly increase the lifetime cost of having a cat. Nevertheless, this is slightly cheaper than the estimated cost of getting a dog over its life (at around $23,000). 

What's the highest cost of maintaining a cat?

For most of a cat's healthy life, the biggest expense for cat owners will be food. Usually, this will make up 50% of the total ongoing costs for the cat. The next largest cost is usually the administrative and medical cost of keeping your cat updated and healthy, such as annual vaccinations, registration fees and any medical treatments.

As cats age, the highest cost can become the medical procedures or surgeries required in old age. These usually start at a few thousand and can go as high as $5,000, depending on the type of operation. Be aware that the cost of keeping a cat healthy in old age increases exponentially. If you have pet insurance, you'll likely be able to sidestep much of this cost. However, after a certain age, pet insurers won't allow you to insure your pet (as the likelihood of injury and the risk/cost to the insurer makes it impractical for them to offer you insurance). However, suppose you've already set up a policy during a cat's earlier years. In that case, you'll be able to continue that policy unless the insurance contract stipulates an end date or exit clause.

More details: Compare Pet Insurance and Is Buying Pet Insurance Worth It?

Compare Pet Insurance Quotes from New Zealand's Most Trusted Insurers, Relied on by Thousands of Pet Owners:

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Our pet insurance research has identified the top pet insurers offering unbeatable prices and value. We suggest getting instant quotes from Southern Cross, PD Insurance, and Cove before exploring the wider market—this way, you can be confident you're getting the best possible deal. Our view is this:
  • Southern Cross: Trusted for its comprehensive coverage and customer-focused policies, Southern Cross is a leading choice for pet owners. Their plans cover everything from routine care to major surgeries, ensuring your pet's health is fully protected. As a not-for-profit with a strong reputation for paying claims, Southern Cross also offers options for dental care, vaccinations, and wellness benefits, making keeping your pet healthy and happy much easier. Plus, you can save with their exclusive discounts - a 5% additional pet discount if you're insuring more than one pet, a 2.5% discount for Southern Cross Health Society members, and another 2.5% discount for setting up a direct debit.
  • PD Insurance: PD Insurance covers 100% of vet bills (subject to claim limits and exclusions), with flexible excess options ($100, $150, or $200). With a quick, two-day reimbursement process for accepted claims and no lock-in contracts, PD Insurance is a hassle-free option. They also offer a "buy online, get the first month free" promotion, making it even more appealing. Plus, only one excess is charged per claimable event, so follow-up bills won't cost extra.
  • Cove: Cove's Major policy is ideal for those who want budget-friendly premiums with coverage for large, unexpected vet bills. With flexible payment options and no long-term contracts, Cove easily manages your policy. Plus, they offer your first month free (worth up to $100) on your first policy, adding even more value.
  • Getting a quote from these top insurers is quick and easy—just two to three minutes is all it takes to see how much you can save.
  • Advertising Disclosure: We may receive a payment from a pet insurer if you purchase a policy through our links. Our shortlist is based on coverage quality, claims history, flexibility, and value.
Southern Cross
PD Insurance
Cove

Related guides
  • Compare Pet Insurance
  • Is Pet Insurance Worth the Cost?
  • Vet Costs in New Zealand
  • Costs of Owning a Dog
  • Buying a Puppy
  • Getting a Kitten
  • Cat and Dog Desexing
  • Pet Euthanasia
  • Puppy School Auckland
  • Doggy Daycare Auckland
  • Cattery Options Auckland
  • Dog Kennels Auckland 
  • Dog Grooming Auckland
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        • Investment Scams
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      • Reviews
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      • Guides
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
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  • Mobile & SIM
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  • Broadband
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    • Internet Speed Test
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