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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Jobseeker Support Guide - The Definitive New Zealand Guide

Apply for an unemployment benefit with confidence using our comprehensive guide. We explain your eligibility, entitlements, obligations, and must-know tips.
Jobseeker Support Guide Work and Income NZ
Updated 22 July 2024

Important: For all payment rates, please see our dedicated Benefit Rates (Jobseeker Support) guide.

Summary
  • Jobseeker Support is a type of main benefit available from Work and Income for people who would otherwise be working but who don’t have a full-time job at the moment. There are around 200,000 Jobseeker Support recipients per this 2022 research from Infometrics.
  • This could include people who have been made redundant, finished study, recently returned from overseas or who have finished self-employment. Essentially, Jobseeker Support is for anyone who is now available for work.
  • Know this first: You can only qualify for Jobseeker Support if you do not have a working partner. If your partner is working, you are not able to apply for a Jobseeker Support unless they earn under a specific amount.

Important: JobSeeker Support: Information on Partner's Income
​Whether people are single or a couple affects eligibility for benefits and the payment rate per Work & Income guidance. This Reddit post in 2023 gives an example of the issues. Navigating the JobSeeker Support application can be challenging, especially when understanding how your partner's income affects your eligibility. To help you save time and avoid frustration, here are some crucial points you need to know:
  • Eligibility Threshold: Generally, if your partner earns more than around $1,000 a week (gross), you are not eligible for JobSeeker Support. 
  • Accommodation Supplement: If your partner earns more than around $1,400 a week (gross), you are not eligible for the Accommodation Supplement.
  • Important: Work & Income doesn't publish this threshold clearly, but our research team believes that around $1,000+ (Job Seeker) and $1,400+ (Accommodation Supplement) are accurate.
  • Understanding these thresholds can save you from spending time on applications if your partner's income disqualifies you.
  • Before starting the application, check your partner's income against these thresholds. If you are unsure about your eligibility, contact Work and Income directly to clarify before applying. BenefitMe has more details. 

Temporarily sick and unable to work? Jobseeker Support is also available for people who would be working but who have a short-term medical condition that prevents them from working at the moment. This could include anything from waiting for an operation to experiencing anxiety or depression, or someone undergoing treatment for conditions like cancer and diabetes. Our Jobseeker Support Frequently Asked Questions explains the difference between Jobseeker Support and Supported Living Payment.

Our guide is comprehensive and designed to help you understand your eligibility, entitlements and obligations. We cover:
  • Jobseeker Support Benefit Summary and Eligibility
  • Jobseeker Support Obligations
  • 5 Must-Know Jobseeker Support Facts
  • Jobseeker Support Frequently Asked Questions
  • Jobseeker Support Application Process
  • ​Tips for approaching Work and Income to apply for Jobseeker Support

Know this first: Jobseeker Support is a relatively new name for several types of assistance you may have heard of before.
  • Terms like Unemployment Benefit, Sickness Benefit and the DPB (Domestic Purposes Benefit) were phased out in 2013. Jobseeker Support was introduced to reflect the work-focused nature of the assistance better.
  • It is one benefit that replaces all of these, with different requirements and obligations depending on your circumstances.
  • New Zealand has a three-level benefit system, with main benefits like Jobseeker Support forming the foundation of the financial assistance you are entitled to. Extra help like Accommodation Supplement, Disability Allowance and Temporary Additional Support are paid on top of benefits like Jobseeker Support to help with specific extra costs.

Jobseeker Support Guide Work and Income NZ

Jobseeker Support Benefit Summary

  • Jobseeker Support is a weekly payment. It's paid (like a job) a week in arrears. This means you usually have to wait at least a week to get a payment, but you also receive a payment after you re-start work to help you transition.
  • The amount you receive is based on your age, if you have a partner and if you have children. Benefit rates are reviewed each year by the Government, and there is usually a small adjustment on 1 April to account for changes in the cost of living.
  • Work and Income publishes the rates on their website here - our dedicated guide lists all the payment entitlements which vary depending on your circumstances.
  • Benefits are paid directly into your bank account on the same day each week, either Tuesday, Wednesday or Thursday.
  • Be aware that while these rates might seem low, they are just the beginning of your benefit entitlement. You may also qualify for extra help like an Accommodation Supplement, Disability Allowance and Temporary Additional Support depending on your specific circumstances.

Jobseeker Support Eligibility

​​There are three main eligibility requirements for Jobseeker Support, which we outline in detail:

1. You are looking for work and willing to accept suitable jobs
  • This means that you are available to accept up to 30 hours of work per week.
  • The definition of "suitable" is a bit vague and something that trips people up out of fear they’ll be sent to work as a labourer. While that’s technically possible, generally Work and Income interpret suitable work as being “work you are capable of doing”.
  • In reality, Work and Income want people to find a job they’ll stay in so are fairly pragmatic.
  • Pay rate doesn’t really come into it either - if you were on $100,000 and are offered a job on $50,000, Work and Income will expect you to accept on the basis that it's better than the benefit.
  • Don’t let this put you off applying though - this obligation isn’t widely enforced for people who are proactively looking for work and (usually) only comes up if you turn down interviews or work that Work and Income refer you to.

2. You are a New Zealand citizen or permanent resident who normally lives in New Zealand
  • If you think this requirement will rule you out then apply anyway - there are several hardship provisions and “emergency” benefits that Work and Income can grant to people who don’t qualify for Job Seeker due to not having residency grounds.
  • Coming back from an OE and can't find a job? You are eligible - it's sufficient to intend to live in New Zealand for the foreseeable future to meet the "normally" requirement. 

3. You don’t have income that reduces your entitlement each week
  • Most main benefits are subject to an income test. While most people think of income as coming from a job, it can also come from a business, investments, rent payments or sometimes even gifts.
  • Broadly, if you regularly receive money and use it to buy things that people typically buy with money earned in a job - Work and Income may consider it income.

Be aware:
  • If you have a source of income other than a job, it might make your application a bit more complex as Work and Income will need to investigate how much to change against your benefit entitlement.
  • Generally, you can't run a business and also receive a benefit (because you have to be available for any work, not just work in your business), but you can work and earn part-time income.
  • If in doubt, it's always best to apply anyway. The worst that can happen is the application is declined.

Jobseeker Support Guide Work and Income NZ

Jobseeker Support Obligations

Most support from Work and Income comes with obligations. Common across all types of assistance is to let Work and income know about any changes in your situation. Some examples include:
  • You move house, or your housing costs change
  • You start employment or earn income
  • You start a new relationship, or your current relationship ends
  • You travel overseas

This isn’t an exhaustive list, and it’s a good idea to read the obligations section of your Work and Income application carefully. As a general rule, if Work and Income asked about something specific when you applied for a benefit, you need to tell them if there's a change to what they asked about.


For Jobseeker Support, there are job search specific obligations too. These can include:
  • Finding or preparing for work
  • Taking part in workshops and assessments
  • Attending seminars at Work and Income or with their contracted providers

Work and Income and Jobseeker Support in a Nutshell
  • Essentially Work and Income want you to find work, and they want you to take part in activities that they think will help.
  • It’s a good idea to go with the flow and attend the things you are asked to attend. You never know what you may learn or what connections you may make.
  • If you feel strongly that you shouldn’t attend, make an appointment to see a Case Manager and talk it through. You are supposed to agree activities with Work and Income that are specific to you, so they’ll react positively to hearing an alternative proposal from you about how you are going to ramp up your job search.​

What if I’m unwell and can’t work at the moment?

​All of the above may make it seem odd that people with a health condition that prevents them from working would receive Jobseeker Support, but the focus of Jobseeker Support is to prepare people for work if that’s currently not an option.

If you can’t currently work due to a health condition, your doctor will need to complete a medical certificate for Work and Income which confirms this. The doctor will need to specify the likely duration of the condition and what (if any) preparation activities or part-time work you might be able to undertake.

You must talk to your doctor about what they write on your medical certificate because what Work and Income expects from you is guided by your doctor’s suggestions.


Generally, the first medical certificate you provide is valid for one month. After that, your doctor can complete them up to every three months (and you can get help with the cost of the doctor's appointment by applying for Disability Allowance). 
Work and Income will sometimes talk to their own medical experts for advice, and those experts might contact your doctor (all with your permission). They aren’t providing a second opinion or overruling your doctor, but they are hoping to understand your condition a bit more and how Work and Income might be able to help.

If you have a serious medical condition likely to last for more than two years, or that permanently stops you from working, your doctor might suggest applying for the Supported Living Payment. This benefit doesn’t include any sort of job search obligations for the person who applies and pays a slightly higher rate.

Jobseeker Support Guide Work and Income NZ

5 Must-Know Jobseeker Support Facts

Jobseeker Support Guide Work and Income NZ

Call and apply as soon as possible after you finish work

Your entitlement to Jobseeker Support is generally backdated to the earliest day possible. This will usually be either when you became eligible for assistance or the first time you contacted Work and Income, whichever happened first. As soon as you know you are going to be out of work, call Work and Income to apply or complete an online application.
Jobseeker Support Guide Work and Income NZ

You apply and are assessed as a couple

If you are married or in a relationship when you apply for Jobseeker Support, your circumstances (and those of your partner) are considered together. This means your partner’s income (if they are working) is taken into account.

We believe this approach is outdated - many couples live together and have separate finances, so combining them for assessment seems restrictive. Right now, this is the way the law is written, and Work and Income have to follow it.

What does "relationship" mean?
It means "a relationship in the nature of marriage". If you aren’t married and don’t live with your partner, it's very likely that Work and Income wouldn’t consider you to be in a relationship for benefit entitlement purposes.


On the other hand, if you live together, own some shared property or have children, they might consider you a couple. Every situation is different, and if you don't think it's clear-cut, it might be worth speaking with a case manager about your specifics if you are unsure.

Be careful of people who know you
It's generally not a good idea to pretend to "break up" so you can get a benefit. Landlords, jealous ex-partners and neighbours often dob people in, and deliberate benefit fraud is treated seriously and often prosecuted.


Be aware:
If you feel unsafe at home, or are in a violent relationship, there are specialist case managers who can help you and extra support available. You can disclose this discreetly to your case manager or leave a note for the Service Centre Manager.
Jobseeker Support Guide Work and Income NZ

You can work while you receive a benefit

You can generally work up to 30 hours per week and still continue to receive Jobseeker Support. This means you can accept temporary, casual or part-time work without having to cancel your benefit and reapply.

Your benefit is assessed each week based on how much you’ve earned and can be reduced. It may seem a little unfair, but you’ll always end up better off. The first $100 gross you earn is exempt from any benefit reduction - many people choose to just earn the $100 and receive the full benefit payment. If you earn over the income cut-off to receive a benefit, payment will be stopped temporarily until your income drops again.

You can report your income to Work and Income using MyMSD (their online portal) or by calling the contact centre.
Jobseeker Support Guide Work and Income NZ

Don’t email your case manager documents - they may not be filed properly

Generally speaking, you won’t always see the same case manager so unless they specifically ask you to, its best not to email them anything important as it is likely to get overlooked or lost.

The best ways to make contact are via the contact centre, dropping a note into reception or using myMSD.
This is especially true if its something important like cancelling your benefit.

This is a bit of a generalisation, but it means you don’t have delays or problems if your case manager is away on leave or is sick etc, or just has a busy day. Often you'll be asked to email in extra documents or a copy of your CV - this sort of thing is usually fine. But for anything major, you are best to give them a call.
Jobseeker Support Guide Work and Income NZ

If you want to be left alone, be proactive

A common issue for people who have never received a benefit before is the need to attend appointments and seminars about finding work.

If you come to your appointments with a copy of your CV, a summary of all the jobs you’ve been applying for, and can talk enthusiastically about how you are sourcing job leads each week, you can probably avoid these seminars for several months.

Helpful tips to keep in mind:
  • Make sure you are doing more that’s just waiting for jobs to be emailed to you from Seek or Trade Me. Show you are proactive.
  • Don’t just keep rejection letters; it's not a competition to be rejected the most. A job search diary or a spreadsheet showing applications, followup dates and contact names is an excellent way to demonstrate that you know what you are doing and are focused on getting a job.
  • Work and Income staff see dozens of CVs and talk to employers every day - if they suggest changing your CV its probably good advice.
  • Be open to new ideas and directions. You never know what opportunities might come from attending a seminar or talking to a training provider. They are all good networking opportunities and if nothing else, give you an excuse to “dress for work” and interact with people if that is something you are missing.

Jobseeker Support Guide Work and Income NZ

Jobseeker Support Frequently Asked Questions

Applying for Jobseeker Support is easy, but you're likely to have questions. Our FAQs walk you through the most common concerns. 

How much can I earn and still receive Jobseeker Support?

The amount varies depending on how much you receive. The maximum (or cut off) is updated each year and published on Work and Income’s website. You can earn $100 per week before tax before there is any reduction in benefit payment, but you still need to declare it.​

How do I record my income?

The easiest way to record your income each week is by using MSD’s online portal, myMSD. If that doesn’t work, you can call the contact centre, or drop into your nearest office and let them know at reception. They’ll ask you to complete a short statement and provide some ID.​

When should I cancel my Jobseeker Support benefit?

You should let Work and Income know as soon as you start full-time work so you don’t get overpaid. You can suspend your benefit for a few weeks (or if you have a trial period) just in case it doesn’t work out.

When you start work, it's a good idea to ask Work and Income to assess to see if you still qualify for things like Accommodation Supplement or the Disability Allowance. You can continue to receive these while you work. If you owe any money (due to over-payments or advance payments of benefit) when you cancel, Work and Income will ask you to work out a repayment plan. Generally, an automatic payment is acceptable to sort this out.

I need some new clothing to start work - can I get help with that?

Yes, it's called a Transition to Work Grant. You can get help with clothing, transport costs for the first couple of weeks, or essential tools and equipment you need to get started. You can also get help if you’ll be moving from a weekly benefit payment to a monthly salary.

To apply, you’ll need some proof of the job (e.g., a contract) and some proof of the equipment you need. A good employer will provide that for you but otherwise you can ask. 
You can find out more on the Work and Income website.

How do I get the Support Living Payment?

The Supported Living Payment is the main benefit for people who are permanently unable to work due to sickness. The illness needs to severely restrict your ability to work, and be likely to last at least two years. Generally, your doctor will recommend making an application, or Work and Income may invite you to apply based on information on your medical certificate.
​

Medical eligibility varies depending on your specific circumstances and will usually involve you visiting a doctor who works for MSD. They will assess all your medical information, speak with your regular GP, and make a recommendation to MSD.

Can Work and Income find out if I work and don’t tell them?

Yes. Work and Income regularly share data with IRD and very quickly pick up people who are both receiving a benefit and are working. The best thing to do is to report everything as it happens, and try and stay up to date.

If Work and Income find you haven’t declared some part-time earnings the worst that is likely to happen is you’ll have to repay some of your benefit already received. This is usually via a small deduction from your ongoing payments. 

Work and Income do prosecute people who deliberately defraud them, so if you keep doing it, they may take further action.​

What happens if I don't do what I'm asked to do?

If Work and Income think you might not be meeting your obligations to find work, they start a process called a Work Test. Essentially they invite you to make contact and explain why you didn't fulfil an obligation they expected you to. The most important thing you can do is respond. You can almost always avoid problems by getting in touch early and explaining what happened.

If you don't have a good reason or Work and Income don't like it and threaten to sanction your payments, ask for a Re-compliance Activity. This is a job search focused task which, upon completion, means your benefit payments continue. Work and Income have to offer one, and it's up to them to suggest what you do. Typically it's to attend an appointment or apply for a job and isn't onerous.

You can ask to Review a Work Test decision too, but its often this won't be needed if you've followed the Re-compliance Activity.

Jobseeker Support Guide Work and Income NZ

Jobseeker Support Application Process

  1. To apply for Jobseeker Support, head to the Work and Income website and choose “Apply Online”. This will take you through an online form, guiding you through questions to determine what you may be eligible for. 
  2. Once this is complete, you’ll generally be asked to come in for an appointment and to bring your supporting documents with you. These include:
  • Government-issued identification (for yourself, your children and your partner)
  • Proof from the bank of your bank account number (e.g. a bank statement)
  • Proof of your past income. If you don't have payslips etc., they may ask your employer to complete a form on your behalf - but only with your permission
  • Proof of your accommodation costs (to assess Accommodation Supplement entitlements) and proof of any other costs
Note: This isn't a definitive list - Work and Income ask for additional documents.

Expert Tip: Waiting for documents is often the cause of delays in applying for a benefit. Try and bring everything they ask for rather than drop it in later. The more you have prepared, the faster the processing and the quicker you'll receive your money. 

Additional entitlements: You can apply for extras like Disability Allowance and other payments once your first application has been processed and while it won’t be backdated, getting the paperwork together won't delay money coming in.

Next Steps: Payments
  1. Once your benefit has been granted there is generally a short waiting period before payments start. The start date is determined by any period of holiday pay you received when you finished work and a stand-down period.
  2. Once your benefit starts, you’ll be paid a week late. For example, if your Jobseeker support starts from a Monday you’ll generally get a payment the following week. Payments are then made on the same day each week.

COVID-19 Policy: Work and Income usually ask everyone to come to seminars and talk about job search before applying for a benefit. This has been suspended during COVID-19 but may be reinstated.

Expert Tip: Keep an eye on the start date and budget your money accordingly. You may only receive a part-payment the first week.

Jobseeker Support Guide Work and Income NZ

​Tips for approaching Work and Income to apply for Jobseeker Support

Our list below contains essential must-know action points to make dealing with Work and Income as smooth as possible. For more details, our Navigating Work and Income guide delivers useful tips. 
  1. Bring your CV and be ready to talk about your job search activities at every appointment. It helps show you are proactive.
  2. Meet your local Work Broker. Your local Work and Income office may have a list of available jobs, a list of reputable recruitment agencies or a Work Broker on site. A Work Broker is a specialist who works with employers to find job vacancies - it's super helpful to proactively introduce yourself and pass along your CV.
  3. Always bring some ID (Passport, Birth Certificate or a Driver’s License) to appointments at Work and Income.
  4. If you have a complex situation, it's sometimes helpful to write it down before you come in and give your case manager the information in writing. This helps you explain it, and helps the case manager document the decisions they have made
  5. You don’t have to receive a benefit to receive help with job search. You can visit the office and ask to speak with a Work Broker any time.
  6. You can ask for a Review of Decision for almost any decision Work and Income makes. You can ask for a Review of Decision form or just write a short note describing the decision and leave it at reception. The decision is reconsidered by senior staff and the centre manager. If they agree with the original decision, it goes to a panel of three - a community representative (usually an advocate) and two senior staff from another service centre. Reviews of Decision are an excellent way to get mistakes corrected.
  7. Check your letterbox. Work and Income generally make contact by letter, so make sure you are checking the mail and that you open Work and Income letters.
  8. Know you can get support - if you struggle with official things, forms, or get stressed, you can bring a support person with you. You can also appoint an "Agent" to act on your behalf who can fill out forms or call Work and Income on your behalf.
  9. Advocates are also available to help with really complex cases or if you think you aren't getting a fair go. They'll talk through things with you then either contact the service centre manager or attend an appointment with you. Most service centres have a list of local advocates, or your local Citizen's Advice Bureau can usually help.

Do you have tips you would like to share? Contact our research team.

Related guides:
  • Jobseeker Support Benefit Rates
  • Navigating Work and Income
  • CV Template and Tips
  • Debt Help
  • ​Beneficiary Loans
  • KiwiSaver Hardship
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        • How to Buy and Sell Bonds
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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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      • Guides
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        • Forex Trading Guide
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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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  • 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
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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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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        • 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
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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      • USA Travel Money
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  • Banking & Savings
    • Banking
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      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • How Much Can I Borrow?
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      • Revolving Credit 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
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      • 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
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • 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
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      • 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
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      • Buying an Apartment in New Zealand
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    • 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
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      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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    • Business Insurance
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    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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      • Food Banks Hamilton Waikato
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • Gaspy App Review
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      • 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
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • 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
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    • 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
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    • Foreign Currency Exchange
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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
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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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      • 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
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    • 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
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • 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
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