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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • 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
        • 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
      • Money Sweetspot 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • 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
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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How to Pay Off Credit Card Debt (with an Average Salary)

Get back in control of your life by taking action and repaying credit card debt. Our guide outlines everything you need to know and helps you step by step to overcome the debt that does nothing but cost you money.
Pay Off Credit Card Debt with Average Income NZ
Updated 21 December 2024 ​

Summary:
  • Credit debt may seem impossible to pay off, but it is not - this guide lists everything you need to do to get rid of expensive personal debt. 
  • We've aimed our proven methods at average income earners. We believe it is not your salary that makes you rich or poor; it's your spending habits.
  • Our approach lets you get familiar with where your money goes, cut costs and use the spare money to pay off credit card debt. 
  • Credit card debt can be chained to you forever - it's designed to make the banks lots of money. You'll only be able to pay it off by cutting back on expenses while you make repayments.
  • We believe you can pay off your credit card debt by following our suggestions - we explain everything you need to know below to make it happen.
  • No matter how much money you make now or later, you need to be responsible with your money. Unfortunately, in New Zealand, so few people have an emergency fund or any savings.
  • This guide is designed to get you out of credit card debt and develop new habits that will help you manage your finances for the rest of your life. It may be unfamiliar or comfortable, but every step we have listed is proven to work.

To help you get debt free, our guide covers:
  • Know This First: How to Use an Average Salary to Pay Off a Credit Card
  • Five Essential Steps to Pay Off Credit Card Debt
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh explains this guide in a dedicated video:

MoneyHub Founder Christopher Walsh shares his views about paying off credit card debt:

"Credit card debt is a rip-off. I've written about it in the media (see this Stuff.co.nz article from November 2021), but getting rid of the debt can be tough without a plan of action. I want to make it easy and let people know that they can get debt-free without a windfall or a pay rise. You can be an average earner and sink the iceberg of debt you have amassed.

Right now, New Zealanders are spending record amounts on credit cards. However, credit card interest rates charged by banks and other lenders hurt the vulnerable with 20%+ p.a. costs. The best time to repay this debt is today.

"Credit cards are money machines for banks and are incredibly profitable. However, the debt they create can haunt people for years. I believe the only sustainable way to pay off a credit card is to consider credit card debt's psychological, mathematical, and pragmatic aspects. It takes more than paying off 5% of a credit card's closing balance each month to clear the balance.

Most New Zealanders, at least in the short term, can't change their salary. But they can change how they spend their money – and that's what I want to make clear by publishing this guide.

It doesn't matter how you built up the debt – what matters is how you get rid of it. Unfortunately, New Zealand is an expensive place to live, and the stress and guilt of carrying around credit card debt aren't worth the energy. However, the only person that can help is yourself, and it's not an impossible task to pay off credit cards".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


Tired of juggling high-interest debts? Are you afraid of taking on more debt?

If you are overwhelmed by debt repayments, there are smarter ways to get back on track than taking on more expensive debt.

Our friends at Money Sweetspot help New Zealanders who are committed to simplifying their finances and becoming debt-free. They help bundle debts into a single, manageable loan at an interest rate likely to be much lower than what you're paying now. With no account fees and no late fees if payments are missed by a few days, it's a way to reset your finances without the stress.

Know This: We have no relationship with Money Sweetspot - our only goal is to help people get debt-free and move forward with their lives. Based on what we've seen since Money Sweetspot's launch, we believe they deliver on their promise to offer fair rates, transparent processes, and provide a helping hand towards long-term financial wellbeing.

Why Consider Money Sweetspot?
  • You can consolidate $2,500 to $40,000 of debt into one loan
  • Interest rates are likely to be significantly lower than those charged by your credit card
  • There are no account fees, no late fees (within a few days), and one regular payment to cover the total debt repayment
  • Get rewarded as you build confidence in managing your finances
  • ​Our Money Sweetspot review explains more
MoneySweet Spot Review NZ
Visit MoneySweet Spot

Pay Off Credit Card Debt NZ

Know This First: How to Use an Average Salary to Pay Off a Credit Card

Important: We suggest you consider applying for a balance transfer credit card to reduce your 20%+ p.a. interest rate to around 0% to 2% p.a. This will allow you to repay your debts faster as they aren't growing as fast.
  1. The average New Zealand salary is $56,160. The monthly after-tax salary is $3,792 per our PAYE calculator. 
  2. If you have a credit card debt of $5,000, and you want to repay it over 12 months, you'll need to put $417 per month ($5,000 / 12 months) towards your credit card bill, assuming there is no interest. 
  3. $417 a month is around 11% of your monthly after-tax salary. 
  4. $417 might seem like a lot of money per month, but broken down, that's around $100 a week or $14 a day.
  5. $14 a day might look like preparing your lunch at home for $5 instead of paying $20 for lunch out at a cafe. $100 a week might look like not going out that extra night of the week for social occasions where dinner and drinks can easily accumulate to $100.
  6. We understand that it is hard to change the way you live, but for your credit card debt to be repaid, you must cut back on non-essential costs. Most costs outside of rent/mortgage, power, broadband, basic food, transport, and phone are non-essential. 
  7. To understand where you've been spending, you'll need to look over your bank statements. A whole year's worth of statements should cover 99% of your spending, but even 1-2 months of statements can give you 90% of the picture. We recommend going through it line by line and challenging every purchase.
  8. To ensure you can continue making smart money choices, we suggest using a budgeting app and maintaining self-control. You will find yourself saying "no" a lot more to things such as social occasions, but with the time you find yourself having from not going out, you can save even more money by engaging in things like meal prep - a cheap and time-conscious way to save money and often end up eating healthier!
  9. If you have a $10,000 credit card debt, it is still possible to repay your balance. It's always possible; it just will likely require more time, more self-control, and more sacrifice. But the numbers work in your favour - you can do this if you're committed to living debt-free by keeping on track month after month.

Common Question – Should I get out a debt consolidation loan to help repay my credit card debt?

  • We believe the best way to solve your debt issues is by changing your behaviour with spending.
  • Also, the solution to debt is not usually taking on another debt.
  • Debt consolidation loans are popular, but they can also be expensive, with interest rates and fees not dissimilar to those charged by an everyday credit card.
  • Lastly, there is a risk that shopping around for debt consolidation loans will lead to further inaction and not solve your credit card debt.
  • With this in mind, the best approach, in most cases, will be to change your habits and cut down on costs. Keep reading below to find out what you need to do.

Pay Off Credit Card Debt with Average Income NZ

Five Essential Steps to Pay Off Credit Card Debt

Know this first - consider a balance transfer credit card
  • If you have a $10,000 debt, it's costing you around $2,000 to $2,500 a year in interest and fees. These interest costs add up – we believe the best thing to do is consider applying for a balance transfer credit card.
  • In a nutshell, if you're approved, all the debt is moved from whatever you're paying now in interest to 0% p.a. (or close to it) for a set number of months (usually 6 to 24).
  • You can then chip away at the balance without interest costs being added on top.
  • First, however, you'll need to cancel the existing credit card to avoid going into more debt once the balance is cleared. However, it's impossible to repay your credit card debt without controlling your spending ongoing.
  • The following steps work with or without a balance transfer credit card, although at 0% p.a. (or close to it) it's easier and faster to repay debt.
Pay Off Credit Card Debt with Average Income NZ

Understand your money, putting together your financial details and getting a budgeting app to track your spending

To get rid of credit card debt, you need to become very familiar and comfortably with your money. The more you know (and the more fears you're prepared to overcome), the better you can get control of your finances.

Here's what to do:
  1. First, list your bank balance, income (after-tax, per month), rent or mortgage (per month) – these are the essentials.
  2. Then, add up your total credit card debt. It could be over one, two or more cards and can include store cards (like the Q Card etc.) and long-term finance cards like the GEM Visa. Next, list the annual interest rate on each credit card (it will usually be somewhere between 15% and 26% p.a.).
  3. Lastly, add up your ongoing expenses, including Car, Insurance, Finance repayments (if applicable) and a Phone plan etc. Don't look at general spending (food, clothing and entertainment) as these will be adjusted as you repay debt.

Once you know these amounts, you know how much you have to pay back and what your essential outgoings are. Then comes the fun part - getting a budgeting app. Our guide has a shortlist of the most popular apps used in New Zealand, and to speed things up, we suggest considering mybudgetpal, which is a free app, or Pocket Smith (a paid service). 

The time you spend setting up the app is an investment and will create a valuable asset on your road to financial recovery and wellbeing. Budget apps let you track every dollar you spend, which forces you to become aware (and then relive) exactly where your money goes. 

Top tips:
  1. Each app has reporting functions – run monthly reports so you can visualise where your money went.
  2. Understand when direct debits and bills are due, and start preparing for that. The best approach is to look at your last two months bank statements (so you have 90%+ of expenses, although it may still miss annual payments such as insurance etc.) and mark down the dates bills are charged. You can then budget for what's due and have less fear about getting into overdraft.
  3. Predicting your spending means you won't worry if your bank account gets down to $100 as you know your bills are paid and salary is coming in three days, etc. This will reduce stress and lead to more informed financial decisions. 
Pay Off Credit Card Debt with Average Income NZ

Cut down monthly expenses

Now that you can see your money, the aim is to reduce the amount of money you spend so you allocate more of your income to debt repayment. We suggest the following considerations:

1. Revisit your TV subscription costs
These services are in every corner of New Zealand now, so it's likely you have at least one – many people have multiple. Our view is that you can live a fulfilled life without endless TV opportunities. The best situation would be to cancel all of them and replace them with free alternatives, thus savings around $1,000 a year. We suggest reading our free streaming services guide to help you keep entertained without the high ongoing costs. 

MoneyHub user Kathy shares her experience:
"We long stopped watching Amazon Prime or the Sky movies channels but still kept paying for them. I felt guilty not using what we paid for, and it wasn't until we cut them off did I realise what a waste of money it was. I used your list of free streaming services, and that works better for us. Best of all, nothing gets charged on my credit card now". 

2. Re-shop your phone plan
Does your usage justify the monthly cost, or could you downgrade your plan? Many people pay too much out of laziness, but they never miss the extra data and minutes when switching to a cheaper plan. 

MoneyHub user Dana shares her experience:
"I use WIFI at home and work but for some reason thought it was appropriate to be paying for unlimited data on my mobile plan. I knew I was at best using 2 GB a month, so I dropped the plan down to a $15 a month option (down from $60+). I didn't notice any difference and wasn't inconvenienced in any way. The ongoing savings are most noticeable too". 

3. Re-price your insurance
Knowing if what you're paying is fair can only be determined by shopping around. Our research shows a big range of prices for car, home and contents insurance. It's not unrealistic to save around $40 to $100 a month on insurance costs if you're a low-risk customer (i.e. safe driver, low-value car, no recent claims etc.). Switching companies will lead to ongoing savings in many cases.

MoneyHub Founder Christopher Walsh shares his insights about cutting down your monthly costs:

"Repaying credit card debt is only going to happen if you commit to cutting costs. But, unfortunately, many people are reluctant to change their ways, which keeps them in the debt trap as they don't have any spare money to pay off the debt.

You'll be able to make serious inroads into your debt by changing how you do things. Remember, credit card companies and banks want you to remain in debt, which makes them a lot of money. By reducing your costs, all the spare money you save can go towards the debt balance. It's up to you to make this happen - the more obsessed with costs you become, the faster you'll be debt-free.

It does require you to make a significant mindset change. This will be unusual at first, but your commitment to cut costs and switch providers will prove to be invaluable as you can now decide where and how to spend your money".
Christopher Walsh MoneyHub Founder

Pay Off Credit Card Debt with Average Income NZ

Come up with a payoff plan that works for you

Before you start repaying your credit card debts, it's important to put together some framework. We suggest the following:

1. Put together an emergency fund.
Creating a small but reliable savings account is essential to avoid the need to rely on expensive credit. $1,000 is a good amount and likely to be a fraction of your total credit card debt. This emergency fund is for absolute emergencies, not ongoing costs like presents, entertainment and ongoing car-related costs. By keeping it essential-only, there's a reduced risk of it being spent on temptations. Our guide to emergency funds has more details.

2. Create a budget that you can stick to
The best starting point is working out what you want to repay on your credit card every month. Our suggestion is the following:
  1. 1/12th of the balance per month if you have an interest-free balance transfer deal
  2. 1/10th of the balance per month if you are still paying interest
  3. Know this: If you think you can make higher repayments, then you can choose 1/8, 1/6 or something else, and reduce your debt repayment journey.

For example, if your debt balance is $10,000, we suggest considering paying around $834 a month or $1,000 a month, depending on your credit card interest costs. 

These numbers will sound high, especially if you've been used to paying the standard 3% to 5% minimum repayments (as outlined here). However, this amount means you can seriously start to shake off the debt. The alternative is paying the minimum balance and $50 here, $100 there etc., which won't make much progress. To be debt-free, you have to be aggressive. 

3. Make the repayments and budget your lifestyle around those set outflows
Once you know how much debt you have to repay per month, the next step is to work out what you can spent outside of essentials (see step 4. below). When you have less to spend, it's easy to determine where you find value and happiness and where you see money wasted. Every other dollar can then be happily applied to clearing your debt.
Pay Off Credit Card Debt with Average Income NZ

Controlling your spending month after month

As the months go on, it's likely that paying 1/10th of your debt every month won't always be achievable. That's perfectly normal – the good news is that you will make progress each month as long as you make a repayment. All that matters is that you regularly set aside money to bring the balance down month after month.

Have a repayment goal and keep the momentum going
We believe it's possible to repay a $5,000 to $10,000 balance as an average earner in 12 months. The bigger the debt, the less "fun" you're likely to have. But it's essential to have some "fun" money to enjoy life; otherwise, the lifestyle change will likely be too unnatural and hinder your debt repayments. Suggestions for low-cost entertainment include:
  1. Dinners and drinks at home with friends (instead of going out)
  2. Free TV streaming (instead of paid subscriptions)
  3. Board games or going to local nature trails (instead of paid outdoor activities or in-app purchases)
 
The important thing is to keep the repayment momentum going. There's no point paying off $3,000 (on a $5,000 balance) only to blow out again and end up where you started. Repaying credit card debt is a psychological challenge that needs willpower and discipline. However, despite the pain points, the freedom that comes when you become debt-free is priceless. 

Generally, the journey is as follows:
The Beginning – You hit the ground running, cutting down costs and challenging your everyday spending. You get familiar with your spending (looking at bank statements online and/or using a money/budgeting app), cut up your old card, apply for a balance transfer (or keep the debt with the card) and focus on aggressive repayments. 

In the first 1-3 months, you manage to make some serious contributions towards your credit card debt. After that, you carry on doing the same, finding that spending less doesn't cause you to be any less happy. On the contrary, you may notice that you're a lot happier without the stresses of regular shopping and general consumption. 

The Middle – You continue to enjoy hitting the debt repayment milestones. You may miss some repayments as some months will be better than others, but overall the debt continues to drop. Your focus is on continuing to eliminate expenses by using a budget app and exploring your bank transaction history list. The more you understand your money, the less of it you'll use unwisely. 

The End – Eventually, you'll make your last repayment. It will have taken self-control and the willingness to miss out on some minor social events. However, being debt-free is an invaluable feeling. You'll also have a new set of budgeting skills, a new philosophy as to how to spend money, and, most importantly, a new perspective on what you value. This will set you up to be careful with your financial decisions and avoid your past mistakes.
Pay Off Credit Card Debt with Average Income NZ

The aftermath (and staying debt free)

As you continue to make regular debt repayments, you will most likely notice one or more of the following things:
  1. Credit card debts melt away (because you are spending less). This means that month after month, you'll have spare money to put towards the balance owed. Slowly but consistently, your debt will begin to fall.  
  2. Banks and credit card companies may offer you a 'deal' (because they miss all the money you've paid them). Such offers are designed to keep you trapped in debt – have the confidence to call them up and ask them to remove you from their contact list. 
  3. Some ups and downs, because not every month will be the same. But by sticking to regular repayments and cutting down on costs, you will see things moving in the right direction.
  4. A sense of complete freedom. No longer will you worry about credit card debt because you're repaying so much of it. You know what sacrifices you've made to do that, so it's likely you'll stay debt-free given the problems that comes with it.

MoneyHub Founder Christopher Walsh shares his insights about all the help available and why it's all worth it

Christopher Walsh MoneyHub Founder
"You can achieve being debt-free. Getting into debt is easy; paying it off will be incredibly satisfying. Every week, we hear of many New Zealanders committing to live a 'financially aware' life and cutting up the cards that hurt them the most.

There's a lot of support around to help you repay the debt. If you need someone to hold your hand and get you sorted, you won't regret the help. I suggest looking at FinCap, which offers hundreds of free-to-use financial mentors around New Zealand. I also hear great things about Christians Against Poverty which has a proven track record in getting people sorted.

Whatever you decide and however you get there, paying off credit card debt is a feeling so positive you'll have wished you did it sooner. No one even regretted becoming debt free".

Pay Off Credit Card Debt with Average Income NZ

Frequently Asked Questions

Should I stop contributing to KiwiSaver when I am repaying my credit card?

It's reasonable to think that this will repay your debt faster. However, unless you're self-employed, you'll be forgoing a bonus of 3% of your salary paid by your employer into KiwiSaver, as well as the $521 annual government top-up (if you don't meet the contributions threshold). Arguably, suspending KiwiSaver would repay your debt faster, but doing so creates a risk that today's debt repayment harms your future.

Because KiwiSaver is a robust savings scheme and you'll benefit from the money either when you turn 65 or withdraw to buy a house, both of which are significant times in your life. The money is most likely better used then. Right now, you would probably be better off financially by cutting back on other expenses while keeping up with KiwiSaver contributions.

What budget app is the best?

There are many to choose from. Our best budget apps guide has everything you need to know. The best budget app for you is one that you like to use and that holds you accountable. Many New Zealanders like apps that let you see your spending based on graphs so you can change your behaviour when you overspend.

I'm a low-earner with big bills – can I repay my credit card debt?

Yes – everyone is capable of repaying credit card debt. What matters is that you do it consistently and sustainably, i.e. you don't pay off a bunch of credit debt only to later take more on when you can't manage your finances. Whether you earn $30,000, $80,000 or more, every change in behaviour and spending habit will help pay off debt (and keep it from happening again).

If I get a windfall, should I save it or pay off debt with it?

The best approach depends on what suits your immediate needs. For example, if you'd prefer to have some money set aside for emergencies, keeping it in a savings account is arguably a good idea. However, if you're comfortable with your financial situation and want to get the debt cleared as quickly as possible, using the windfall in that way will help you achieve debt-free goals faster.

Once I pay off my credit card debt, should I overpay my student loan?

Student loans don't incur interest charges unless you live overseas, unlike credit card debt (and personal debts in general). Our student loans guide has more details. As such, it may be worthwhile saving and/or investing your money if you plan to live in New Zealand, at least in the medium term. This is because your student loan repayments will be regularly deducted from your salary.

Related guides and resources:
  • The Best Balance Transfer 0% Interest Rate Credit Cards
  • Credit Card Minimum Payments
  • Emergency Funds - Save Today to Avoid Stress Later
  • Debt Problems - Reduce Debts and Get Help
  • Credit Card Interest Calculator
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        • Investment Scams
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        • Top Personal Finance Books for New Zealanders
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Decentralised Finance
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          • Other Coins
            • How to Buy Ripple in New Zealand
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            • How to Buy Dogecoin in New Zealand
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            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
      • Income Protection Insurance
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
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    • 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
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • Reviews
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        • 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
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        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • USA Travel Money
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      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
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      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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      • Best PIE Term Deposits
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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      • Heartland Bank Review
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      • NZCU Baywide Review
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      • Western Union Review
  • Mortgages
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      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
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      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
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      • Revolving Credit Mortgages
      • Offset Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
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      • 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
      • 20 Property Investment Risks You Can't Ignore
      • 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
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
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    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
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      • 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
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      • Generate KiwiSaver Scheme
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      • 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
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      • Pathfinder KiwiSaver Review
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
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      • Working Capital
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      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
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      • PayPal NZ Account Fees
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    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
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      • Crowdfunding vs Bank Financing
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      • 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
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • 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
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  • Motoring
    • Buying and Selling a Car
      • Car Valuations
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      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • 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
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      • 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
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      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
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    • 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
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      • 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
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      • Fijian Dollars Exchange Rate
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      • Thai Baht Exchange Rate
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  • 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
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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        • UK Travel Insurance
    • Specific Risk Cover
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      • 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
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • 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
      • Fleeced Kiwi Awards 2025
      • 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
      • 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
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • 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
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