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 Impacts of Inflation in New Zealand

Inflation has recently increased due to the cost of petrol and the extra costs of transporting goods to New Zealand  - Our guide explains what you need to know about what comes next
Impact of Inflation in New Zealand
Updated 3 January 2024

Summary
  • The cost of living has been a point of uncertainty for many New Zealanders. With inflation consistently in the headlines, the impact of inflation on every New Zealander's daily lives is a big concern.
  • Inflation is described as the sustained rise in the price of goods and services over time. Inflation has generally averaged 1-3% per year in New Zealand. Generally, inflation measures the upward rise in prices over time for a basket of items that most New Zealanders will purchase in their daily spending habits.
  • The Consumer Price Index (CPI) is the most popular and widely known inflation indicator. The CPI pulls data from various costs, such as housing, transportation and food. Most costs, such as petrol and diesel, are at all-time high percentage increases.
  • Additionally, inflation expectations are still extremely high, and the current labour market is extremely tight, with unemployment at record lows.
  • Transport prices are a massive driver of inflation. As fuel prices increase, almost all New Zealanders feel the sting of increased transport costs, whether driving to work, taking public transport or going on a road trip.
  • Know This: As inflation has recently increased due to the cost of petrol, this has led to extra costs of transporting goods to New Zealand. This has built-in cost pressures as people look for pay rises to keep up with inflation. However, as unemployment is very low, we will inevitably see further inflation from pay rises. As a result, there is a danger that inflation becomes 'expected'. The only way to reduce inflation is for the Reserve Bank to keep increasing interest rates to increase the cost of credit and arguably engineer a recession which reduces demand and increases unemployment. 

To help explain inflation and how you can best understand it and prepare for it, our guide covers:
  • What are the Main Impacts of Inflation on New Zealanders?
  • What are the Main Impacts of Inflation on Businesses and the Economy?
  • What are the Unexpected Benefits of Inflation?
  • Frequently Asked Questions

Know This First: What is the Reserve Bank of New Zealand?
  • The Reserve Bank of New Zealand (AKA the RBNZ) is the main government body looking at controlling inflation. The RBNZ's broad objective is to get inflation in the 1 - 3% range over the long run (with an ideal target of around 2%).
  • At the same time, the RBNZ's job is to try to achieve this whilst maintaining a healthy employment rate (making sure New Zealanders that want to work can find jobs) and as strong an economy as possible.
  • The RBNZ targets a modest inflation level because low inflation levels incentivise businesses to create and are more productive, give a margin of error in case inflation overshoots or undershoots and intends to avoid deflation, which can have an extremely significant impact on spending.

Must-Read Related Guides:
  • 20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Must-Know Money Lessons (Learned From Experience)
  • ​20 Money Habits that Keep You Poor

Impact of Inflation in New Zealand

What are the Main Impacts of Inflation on New Zealanders?

1. Inflation Erodes Purchasing Power

  • The most significant impact of inflation is that it hits purchasing power. A steady increase in cost over time means the same quantity of food and fuel purchased costs increasingly more. The higher the inflation rate, the more expensive the same quantity of these goods is.
  • The higher inflation is, the more it puts pressure on the cost of living. In September 2023, inflation hit 5.6% for a generic basket of goods that make up the Consumer Price Index (CPI) in New Zealand. As a result, inflation acts as a tax on consumers, eroding purchasing power and making it more difficult for families to make ends meet.

2. Inflation Hurts the Less Wealthy Significantly More than the Wealthy

  • Inflation is particularly painful for lower-income households, where the percentage of post-tax disposable income spent on essentials like food and gas continues to increase while wages typically stay the same. As a result, higher essentials costs mean less cash left over at the end of the month while continuing to buy the same groceries.
  • Additionally, lower-income households have significantly fewer savings and investments than higher-income households, meaning these households have less cushion against rising costs.

3. Inflation Impacts Kiwisaver and Investment Portfolios (Bonds and Growth Stocks in Particular)

  • Typically, bonds are lower-risk investments that generate stable earnings at a constant rate. However, inflation, particularly excessive inflation, impairs the returns of bonds by reducing the purchasing power of that bond income. As interest costs become larger in response to rising inflation, so does the yield on newly issued bonds. As bond yields rise, bond prices fall.
  • In contrast, there is much less consensus on whether excessive inflation hurts or helps share market prices. However, growth shares, which tend to be more richly valued, are significantly impacted by inflation, given that most expected growth is generated in the future. High inflation leads to higher interest rates (to reduce demand and borrowing), which makes the value of future growth much less. As a result, shares have traditionally lagged in periods of high inflation.

4. Inflation’s Negative Impact on Savers and Retirees

  • New Zealanders in their retirement phase or with substantial investments in term deposits/savings accounts are disproportionately impacted by inflation.
  • For example, assume that you have $1,000, and it costs $1,000 to buy an iPhone. If you were to put the $1,000 into a term deposit for a 3% return, but inflation is 10%, you would get $30 as interest at the end of the year. However, the cost of the iPhone would have gone up to $1,100. In this scenario, you've made 3% of your money, but in real terms, you've lost purchasing power.
  • This scenario is even worse for retirees, who likely won't have any additional income from a full-time job. As retirees are typically more defensive in their investments, rising inflation puts pressure on their weekly budgets. As a result, retirees may need to dip into their principal savings to make ends meet, reducing the size of their nest egg every year. A shrinking nest egg is the worst possible scenario for retirees.

Impact of Inflation in New Zealand

What are the Main Impacts of Inflation on Businesses and the Economy?

1. High Inflation Leads to Higher Inflation

If inflation was 3% last year and is 3% this year, businesses, employees, and consumers get comfortable that inflation will continue to be at 3% and can adjust their spending and budgets to account for this steady increase in price/cost.

However, when inflation rises quickly and stays elevated, expectations of future inflation from consumers and businesses start to change. People start to expect the cost of things to go up rapidly. As these expectations rise, employees begin asking for salary increases and change their spending habits. Employers will pass on these salary increases through increased prices on the goods they sell, which impacts consumer spending. The cycle of increased costs leading to higher wages is called the wage-price spiral.


In the worst-case scenario, excessive inflation can lead to hyperinflation, where the prices of everything rise astronomically, incentivising people to spend all their money now in fear that the cash they currently hold will become worthless by next week. Examples of hyperinflation include Germany in the 1920s and Zimbabwe in the late 2000s.

2. Inflation Forces the Reserve Bank of New Zealand to Raise Interest Rates

As detailed above, governments and central banks are incentivised to keep inflation reasonable. Over the previous century, the main way this has been done is through economic policy and changing interest rates. When inflation threatens to go above the RBNZ's target of ~2%, they can raise interest rates (also known as the official cash rate, or OCR for short), increasing the cost of borrowing throughout New Zealand through constraining the supply of money.

As a result, interest rates and inflation tend to move in the same direction. As inflation rises, central banks need to raise interest rates and increase borrowing costs to reduce spending. As interest rates rise, debts like mortgages or car payments tend to increase, and the cost of expanding for businesses gets a little more expensive. Additionally, a higher interest rate means a more attractive yield for term deposits and savings accounts, reducing the incentive to spend. On the other hand, as inflation recedes and consumer spending slows, the RBNZ typically lowers the interest rate to encourage borrowing and spending.

3. Inflation Can Cause a Recession in the Medium to Long Term

The RBNZ has a difficult job of trying to balance inflation and unemployment. As inflation rises, the RBNZ can either let inflation rise, hurting lower-income households or increase interest rates and slowing consumer and business spending (leading to layoffs and rising unemployment). Most of the time, the hurt on lower-income households is unacceptable, and the RBNZ chooses to put the New Zealand economy into a recession by raising interest rates. Raising interest rates can lead to painful periods where a large percentage of the population is unemployed and struggles to find work.

Impact of Inflation in New Zealand

What are the Unexpected Benefits of Inflation?

1. Inflation Improves Growth and Employment in the Short Term

  • Because inflation discourages saving (as waiting to purchase something will make it more expensive), it encourages consumers to go and spend money rather than save it for a rainy day. In the short term, inflation can lead to stronger monetary growth.
  • As a result, unemployment typically declines as inflation climbs. Inflation can increase demand for a short period while decreasing inflation-adjusted labour costs, fueling job gains.
  • However, consistently high inflation eventually starts to hurt consumers and businesses as they exhaust their savings. As a result, inflation generally leads to a recession or underperformance in the medium to long term.

2. Inflation Lowers the Cost to Pay Debt off

  • Inflation helps borrowers pay off their debts by allowing them to make future repayments with inflated currency. For example, if you owe $500,000 for a mortgage in 2024, you will still owe $500,000 in 2054 if you ignore interest payments and don't pay off any of it. However, if inflation is 3% yearly, your salary will likely go up over the thirty years, but you still only owe $500,000. Therefore, your debt is worth significantly less in 2054 than in 2024. So, in this example, inflation has resulted in your debt becoming less valuable over time.
  • In contrast, deflation makes it more expensive to pay off debts, assuming incomes shrink along with it. So, for example, if you took the same example of the mortgage above, but the economy experienced deflation of 3%, your money and debt would get progressively more valuable over time. In other words, your mortgage would become more costly over time (assuming nothing else changes).

3. Inflation Avoids the Threat of Deflation

  • Deflation is a sustained period of declining prices. Deflation usually happens after a significant recession or extreme financial contraction that pushes businesses and consumers to tighten their wallets and reduce general spending and investing. 
  • One of the biggest problems with deflation is that it makes it harder to pay off debt. Generally, inflation makes the value of money and debt go down. But on the other hand, deflation increases the value of money and debt. So if you have student loans or a mortgage in an inflationary environment, the real cost of that debt will get whittled down over time as money becomes less valuable. 

4. Inflation Benefits Homeowners with Long-Term Fixed Rate Mortgages

  • Homeowners with fixed-rate mortgages benefit from high inflation because while asset prices and costs go up with inflation, the cost to service their existing mortgage stays the same. In other words, the inflation-adjusted cost of a mortgage goes down.
  • Additionally, property owners who rent out their property can increase rents to keep up with inflation, ensuring that their investment is "inflation-protected". This example shows that real estate acts as a good "inflation hedge".

Impact of Inflation in New Zealand

Frequently Asked Questions

What can I do about inflation?

There are several ways to position your finances and assets to combat inflation. Our guide lists tips to fight inflation.

Why does inflation exist?

Inflation is typically generated from an imbalance of supply and demand of goods. However, inflation can also be caused by excessive borrowing/leverage driven by governments, businesses and households. Generally, more borrowing leads to increased demand, pushing the price of everything up. Therefore, without the proper initiatives to increase supply or reduce demand, inflation will continue to run hot in the long run.

What has the NZ Government done about inflation?

The New Zealand government has brought out a range of measures to try and fight inflation. A few measures they've announced have included:
  • Cuts to excise fuel tax, effectively reducing the cost of filling up the tank
  • Half-price public transport fares until the January 31st, 2023 
  • Discount to road user charges (RUCs)
  • $350 cost of living payment for those earning < $70,000 in the financial tax year

Why are there different numbers for inflation in news articles?

Politicians and economic officials regularly focus on "core" inflation, which tends to strip out costs from food and energy, which can be extremely volatile from period to period. Policymakers do this to try and identify the true cost of inflation. 

"Core" inflation has been widely criticised as the main way to gauge inflation as lower-income wage earners in developed economies, and a sizable chunk of people in growing economies spend a significant portion of their monthly income on food and energy. Therefore, while government officials may think "core" inflation is stable, the real inflation number that impacts the majority of people (e.g. food and energy prices) could be skyrocketing and putting pressure on households.

Why Is Inflation So High in New Zealand?

Inflation is high in New Zealand as a result of a combination of a few factors:
  • Increased stimulus during the COVID-19 pandemic pushed demand, mainly through the RBNZ's lowering of interest rates to increase borrowing and ease the pressure off banks and businesses.
  • Other stimulus measures included the COVID-19 wage subsidy for those employees who got their hours reduced or were made redundant due to the pandemic. Both of these factors led to a massive increase in demand once the economy reopened. 
  • Supply chain disruptions due to the mass lockdowns offshore (particularly in China and the USA) led to extreme increases in price as fewer units were produced.
  • Further, many factories could not operate due to indoor social distancing requirements, which meant factories were producing at sub-optimal output post-lockdowns.

What are the Key Contributors to Inflation in New Zealand? Is it food? Petrol? Shipping costs? Or everything?

While there isn't a single factor that causes inflation in New Zealand, the CPI's weighting to various sectors can provide insight into why the inflation rate is so high. As can be seen from the graph below, the highest weighting in the CPI is housing and utilities, followed by food and transportation. These three categories generally comprise a substantial weighting in the CPI inflation calculation. Rent, food and fuel costs have all been skyrocketing in the last few years and are likely to be the main reason why inflation is so high in New Zealand.
NZ Inflation Graph

How often should I expect prices to go up?

Unlike salaries, which tend to rise at the end of each financial year by 1-3% (assuming you don't move jobs), prices of normal goods and services tend to increase a few times each year, depending on the cost of ingredients. So, for example, many New Zealand supermarkets raised the prices of their products multiple times over 2020 as supply chain disruptions put pressure on supermarket margins. However, this also applies to price decreases too. The prices of products that are overstocked tend to decrease as supermarkets try to get rid of them before it expires. 

As a general rule of thumb, if inflation is 10% a year, you would expect the price of most goods and services you buy to increase by 10% a year on average - this usually happens in small price hikes over the year.

Should I make a big ticket item purchase now or later?

It depends. The product price may increase substantially in a year if inflation is high. If this is the case, purchasing it now rather than later can make sense. If you need the item now, many people purchase it and avoid waiting around. Having said that, if it's an item that gets a new model every year (for example, a car or an iPhone), it can be beneficial to prolong the purchase to get a better model the following year.

Does inflation put the economy at risk?

Inflation has an impact on consumer confidence and the general economy. Inflation is front-of-mind for many government officials for this reason. If inflation is high and consumers are aware of it, they may change their spending patterns in anticipation of higher inflation. For example, if you know inflation is high, you may try to reduce your spending to protect your income by buying less. In this sense, inflation can cause a reduction in consumption, which is one of the leading indicators of a recession.

Additionally, as detailed above, inflation disproportionately huts lower-income/middle-income households. Most spending and economic activity happen at the lower/middle-income level. Therefore, the economy can risk a recession if spending is impacted at these levels.

Can you provide a practical example of why inflation is better than deflation?

Deflation is considered worse than inflation as consumers expect prices to drop, so they will not spend and wait. For example, why would you buy a toaster for $40 when you know next month it will cost $35? You can get more goods for the same amount just by delaying your purchase decision. 

On the other hand, with inflation, if you know that your toaster will cost $40 today but $50 in a few months, you're incentivised to spend now as you can get more goods today for the same money compared to in the future. So a spending mindset is good because it incentivises consumers to spend, businesses to produce, and banks to loan money. This grows the economy - deflation does the opposite. Japan suffered 10+ years of deflation, starting in 1991 - this article explains the consequences of deflation.

Related Guides:
  • ​Inflation Calculator
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  • ​20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Must-Know Money Lessons (Learned From Experience)
  • ​20 Money Habits that Keep You Poor
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • Best of New Zealand
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  • Travel Insurance
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • 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
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
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  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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