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
        • 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
      • 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
  • 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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  • Essential Money Tips
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  • Trade Services
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The Best Medical Alarms & Costs and Funding Options - The Definitive New Zealand Guide

Our review and comparison explain medical alarm options designed to provide safety, independence, and peace of mind for New Zealanders
Medical Alarms NZ
Updated 23 February 2024

Summary:
  • ​With Kiwis living longer than ever, medical alarms are becoming increasingly popular given they play a vital role in ensuring New Zealanders' safety, security, and independence at the risk of medical emergencies or accidents.
  • These personal emergency response systems provide a lifeline for seniors, people with disabilities, and those with chronic health conditions, allowing them to maintain their daily routines confidently. However, with many different companies offering medical alarms, as well as elderly Kiwis at the highest risk of targeted scams, it can be tough to know which medical alarm provider is best.
  • Important: For this guide's purposes, we'll only focus on the five medical alarm suppliers accredited by the Ministry of Social Development for funding. We've chosen to focus on these suppliers as many companies may not provide quality alarms that fit the quality specifications determined by the government.
  • The MSD-accredited medical alarm suppliers are deemed to be the ‘best-in-class suppliers’ and are usually the best choice for Kiwis looking for medical alarms at the highest quality with the most affordable prices.
  • Try to put the cost of a medical alarm in a broader context - While medical alarms can be costly over long periods of time (think $750+ a year), they can be worth it if they can save your life or the life of a parent or family member. In addition, medical alarms can be a lifeline for elderly or disabled individuals living alone or at risk of a medical emergency.
  • In case of a fall, heart attack, stroke, or another medical emergency, a medical alarm can summon help quickly and potentially save a life. The delay in getting emergency help from not having a medical alarm can be the difference between life and death.
 
To help you understand the services, costs and different providers, as well as government assistance, our guide covers:
  • What is a Medical Alarm, What do they Look Like, and How do They Work?
  • What are the Most Common Benefits of a Medical Alarm?
  • Medical Alarm Providers – Comparing and Understanding the MSD-Accredited Suppliers
  • Will the Government Subsidise My Medical Alarm?
  • Frequently Asked Questions

Important: Be wary of medical alarm providers charging exorbitant subscription fees or cancellation penalties
  • MSD-accredited medical alarm providers are unlikely to charge exorbitant fees or penalties due to their service agreements with MSD. If you feel you're being overcharged, there is a clear complaint process to raise your concerns.
  • Choosing a non-MSD accredited provider can, in some cases, put you at a higher risk of being overcharged or overly penalised. To minimise the risks, we suggest always reading the terms and conditions if you decide not to go with one of the five MSD-accredited providers above.

More Details:
  • Information on Personal Medical Alarms (New Zealand Government)
  • Healthcare New Zealand Medical Alarms.
  • Medical Alarms (Work and Income New Zealand)

What is a Medical Alarm, What do they Look Like, and How do They Work NZ

What is a Medical Alarm, What do they Look Like, and How do They Work?

​Medical alarms are designed to provide peace of mind to elderly, disabled, and vulnerable Kiwis who live independently, and the devices are becoming increasingly popular due to New Zealand’s ageing population and the desire to live in one's home for as long as possible. In addition, medical alarms can help ensure that people get immediate help in an emergency, such as a fall, heart attack, or stroke. 

How does a Medical Alarm work?

  • Medical alarm systems have two components: A base unit connected to a network and a wearable pendant, which can be worn as a bracelet or necklace.
  • Pressing a button on the pendant activates the alarm, prompting the base unit to reach out to the monitoring service.
  • The maximum distance between the pendant and the base unit can be confined to your residence (e.g. within your house and garden) or extended beyond if you are active and often leave home.
  • Upon activating your medical alarm, the provider will attempt to contact you. If you don't respond, the provider, depending on the company, may dispatch an ambulance to your residence or contact a family member or neighbour from a pre-arranged list.

Who needs or should consider getting a medical alarm?

A medical alarm can be beneficial for various individuals who may be at a higher risk of experiencing medical emergencies or accidents. The following groups of people are most likely to need a medical alarm:
  1. Seniors: As people age, the risk of falls, health issues, and accidents increases. Elderly individuals, especially those living alone or with limited mobility, can benefit from a medical alarm to ensure timely assistance in case of emergencies.
  2. People with chronic medical conditions: Individuals with ongoing health problems, such as diabetes, heart disease, or epilepsy, may require immediate medical attention during emergencies. A medical alarm can help them get prompt assistance when needed.
  3. People with disabilities: People with physical or cognitive disabilities may struggle to access emergency help. A medical alarm can provide an easy way for them to alert caregivers or emergency services when assistance is required.
  4. Individuals recovering from surgery or major medical procedures: Patients may experience complications or need help with day-to-day activities during the recovery period. A medical alarm can offer a safety net during this time.
  5. People prone to falls or accidents: Kiwis with frequent falls or accidents, or those with balance and mobility issues, can benefit from a medical alarm system. Some systems also offer automatic fall detection, which can be particularly helpful in such cases.

What are the main features of medical alarms?

​Medical alarms come with different features, depending on the type and brand. However, some of the key features present in most (MSD-accredited) medical alarms include:
  1. 24/7 Monitoring: Most medical alarms will have a monitoring centre staffed by trained professionals who are available 24/7 to respond to emergency calls. This ensures that users receive prompt assistance whenever required, no matter the time or day.
  2. Two-way communication: The base unit generally features a built-in speaker and microphone, allowing the user to communicate directly with the monitoring centre during an emergency. This feature helps establish the nature of the emergency and allows for emotional support during the crisis.
  3. Automatic fall detection: Some wearable alarm pendants or bracelets are equipped with a fall detection feature, which can automatically alert the monitoring centre if the user experiences a sudden fall. This feature is particularly useful for those who cannot press the button themselves following a fall (which is relatively common if the fall is severe).
  4. Water-resistant design: The wearable alarm button is generally water-resistant, allowing users to wear it while bathing or engaging in water-based activities. This ensures continuous protection, even during potentially hazardous situations.
  5. GPS tracking: Some Medical Alarm devices also come equipped with GPS tracking, enabling the monitoring centre to pinpoint the user's exact location in an emergency. This feature is especially useful for those prone to wandering or living alone.
  6. Battery life: Most medical alarms will work for an extended period without recharging. However, the battery life of some pennants can vary depending on the model and make.
Note: Not all packages will offer everything above. Often, there will be a tiered medical alarm offering a segmentation of product features. 

What are the Different Tiers or Packages for Medical Alarms?

Medical alarm providers offer a range of options to suit different budgets and requirements. Some of the packages available include:
  • Basic package: This package usually includes essential features, such as the wearable alarm button, base unit, and 24/7 monitoring.
  • GPS package: This package usually includes all the features of the Basic package, along with GPS tracking capability. This is especially useful for users who may be prone to wandering or who would like their location to be easily accessible during an emergency.
  • Fall detection package: Generally, this package incorporates the fall detection feature and the Basic package offerings. This is particularly beneficial for users who are at risk of experiencing falls or those with limited mobility.
  • Comprehensive package: Comprehensive packages generally offer the full range of medical alarm features possible, including the features of the Basic, GPS and Fall detection packages detailed above. 

What are the Most Common Benefits of a Medical Alarm NZ

What are the Most Common Benefits of a Medical Alarm?

Number 1

Medical alarms are relatively easy to set up and use.

​Most medical alarms are designed to be easy to set up and use, even for individuals who aren’t tech-savvy. The user simply needs to plug in the base unit and follow the instructions to connect the alarm to the telephone line. In addition, wearable devices like a watch or pendant typically include a large, easy-to-press button to summon help.
Number 1

Medical alarms can provide peace of mind to caregivers (or yourself).

Medical alarms can provide peace of mind for individuals and their loved ones, knowing that help is just a button press away. In addition, knowing that emergency services or a designated caregiver can be summoned quickly in case of an emergency can help alleviate anxiety and improve quality of life. Further, with the assurance that help is readily available, Kiwis can enjoy greater independence and maintain their current lifestyle without fear of being stranded during an emergency.
Number 1

MSD-accredited medical alarms come with high-quality customer support, better service and faster response times (by law).

All MSD-accredited medical alarm providers must provide minimum quality customer support and service. Most providers will have benchmarks on responsiveness time as well as offer regular maintenance and testing of their devices. Some of the support services provided by the MSD-accredited medical alarm providers include:
  • Installation: A trained technician will install the system in the user's home and demonstrate how to use the device.
  • Maintenance and testing: Generally, regular or semi-regular maintenance and testing are carried out to ensure that the system remains in optimal working condition. This maintenance will also include battery replacement and equipment servicing as required.
  • Customer support: Users will almost always be given access to customer support 24/7 through phone, email, or online chat. This “always available” communication channel ensures that any issues or concerns are addressed promptly and effectively.
Additionally, the direct connection to a monitoring centre ensures that Kiwis receive immediate assistance during an emergency, resulting in faster response times and potentially better health outcomes than just relying on dialling 111 (emergency services) alone.

Picture

Medical Alarm Providers – Comparing and Understanding the MSD-Accredited Suppliers

  • ​When it comes to choosing the best medical alarm in New Zealand, there are many brands to choose from. Each brand has unique features and benefits, making it important to consider each one carefully before deciding.
  • There are currently five key MSD-accredited medical alarm suppliers in New Zealand. The below cost table reflects the standard pricing under the MSD Service Level Agreement for Accredited Suppliers of Monitored Medical Alarms. This agreement ensures you receive high-quality service and value for money (and are far less likely to get “ripped off” if you choose to purchase a medical alarm with one of these suppliers).
  • ​Many individuals obtain their systems from providers accredited by the Ministry of Social Development (MSD). Accredited suppliers must adhere to established service standards, possess an approved complaint process, and offer the alarm system at a reasonable cost (typically around $15 per week). Upon signing up, the medical alarm provider must provide you with a contract detailing their services and complaint process.
​Medical Alarm Provider or Supplier
​Contact Number
​Email
The weekly cost for one "In-Home" alarm*
The weekly cost for an additional "In-Home" alarm at the same address
​The weekly cost for one "Anywhere" alarm
The weekly cost for an extra "Anywhere" alarm at the same address
​Trial Period
Chubb New Zealand (VitalCall)
​0800 10 20 30
​[email protected]
$16.97
 $7.36
$24.53
​​$10.52
​N/A
ADT Security Limited
0800 111 238 
​[email protected]
​$15.32
​$12.89
​$16.50
$13.86
14 Days
Freedom Medical Alarms (WFA) 
​0800 380 280
​[email protected]
​$15.25
$0
​$29.00
​$25.00
​7 Days
St John Medical Alarms (Products)
0800 50 23 23
​[email protected]
​$15.75
​$7.25
​$23.50
​$15.75
Free trial
Securely
​0800 865 865 
​[email protected]
​$15.87
$5.52
​$16.10
​$16.10
N/A
*Costs as of July 2023

Our Top Alarm Recommendations

The two main criteria that most Kiwis are likely to choose an alarm on are cost and functionality. As such, based on the table above: 

Most Cost-Effective Alarm: We argue that the Freedom Medical Alarm is the most cost-efficient alarm for those on a budget. Additionally, it doesn’t cost a cent more to have an additional alarm at the same address (unlike the other alarms listed). However, note that the Freedom medical alarm has one of the most expensive “anywhere alarm” costs (for those Kiwis that need a medical alarm when travelling out of home to the supermarket or the local cafe).   

Most Reliable/Trustworthy Alarm: Regarding reliability and trust, we argue that the highest quality alarm is the St John Medical Alarm. Almost all Kiwis are familiar with the amazing work that St John does with regards to their Ambulance services. This, coupled with the longest trial period out of all five alarms means that Kiwis looking for a quality, reliable medical alarm they can rely on (and test out before they buy) suggests the St John Medical Alarm is a strong offering.

Ultimately, the most suitable alarm of the five accredited alarms will depend on what criteria matters the most to you or your loved one (such as price, reliability, ability to trial beforehand, whether you just need an at-home alarm or an anywhere alarm, number of alarms you’ll need at the location, etc.). Try to think about what criteria matters the most to you and pick the alarm that best caters to that.

Will the Government Subsidise My Medical Alarm NZ

Will the Government Subsidise My Medical Alarm?

The government may cover the weekly expenses of your medical alert service if you have a persistent or age-related health issue and a disability, but any government assistance is means-tested. Therefore, the amount you receive will be based on your circumstances, such as your income and assets.

The government provides subsidies to those that meet eligibility criteria and are in need of assistance with the ongoing expenses of a medical alarm. These costs are covered as part of the Disability Allowance programme. A Disability Allowance can be obtained to aid with disability-related expenses, including medical alarms. You don't need to receive a benefit to qualify for a Disability Allowance, as summarised below:

Disability Allowance Eligibility Criteria
You can apply for a Disability Allowance for yourself, your partner, or a child.

To apply, the individual needing a medical alarm must:
  • Be at least 16 years old and be a New Zealand citizen or permanent resident.
  • Have a disability expected to last at least six months from diagnosis or,
  • Have a life expectancy of fewer than six months due to a terminal illness.
  • Have regular, ongoing costs related to their health condition or disability not fully covered by another agency.

A medical practitioner (Doctor or GP) must also verify that the individual who requires a medical alarm:
  • Needs the medical alarm on an ongoing basis due to a disability.
  • Requires either an 'in-home' or 'anywhere' medical alarm.
  • Would have their life or health endangered without it, or the disability would be worsened.
  • An MSD-accredited medical alarm supplier must provide the medical alarm.

Additionally, your eligibility depends on your and your partner's income. Current income limits for Disability Allowance (as of April 2023) are as follows:
​Living Situation
​Other Criteria to Note
​Pre-tax Weekly Income Limits
​Single
​16-17 years old
$631.50
Single
18+ years
​$786.69
​Sole parent
​One dependent child
$880.73
Sole parent
Two or more dependent children
​$927.94
​Couple
​With or without children
​$1,171.42

How much money can I get from a disability allowance?

You can currently get a maximum of $75.10 per week for the Disability Allowance. The amount you’ll receive for your medical alarm depends on your situation - every person has different needs and therefore the money you'll receive varies. If you qualify, the government can cover the ongoing expenses of medical alarm services, such as:
  • 'In-home' medical alarm services that function solely within the home.
  • 'Anywhere' medical alarm services that operate outside and inside the home.
  • Whether you can obtain an 'in-home' or 'anywhere' medical alarm depends on a medical practitioner's recommendations.

Note that the Disability Allowance does not cover the following:
  • Purchasing the medical alarm (one-time cost).
  • Purchasing smoke alarms or security alarms.
  • Any alarm costs are already included in the fee for living in a retirement village or complex.
  • Additional items for your medical alarm, such as fall detectors or pressure pads.

Medical Alarms Frequently Asked Questions NZ

Frequently Asked Questions

If you have any questions about a specific service, we suggest asking the provider - we have listed their emails and phone numbers in the table above.

What happens when I press the alarm button?

When you press the alarm button, you will be connected to a monitoring centre. The monitoring centre will assess your situation and dispatch the appropriate help, such as an ambulance or family member.

I'm currently on a disability allowance for a medical alarm. I already have an "in-home" medical alarm but would like an "anywhere" one. What's the process for me to get one?

​If you possess an 'in-home' medical alarm (which functions only within your home) and would like an 'anywhere' medical alarm (operating outside your home), you'll need to talk to a medical practitioner (your GP) and get them to determine your initial eligibility. Once you've done this, you (or your GP) will be able to apply to work and income for an upgrade. 

I'm a child of a parent that needs a medical alarm. I'm managing the process of getting one. Is it possible to apply for a disability allowance on their behalf?

Yes, you can apply for Disability Allowance on someone else's behalf, but only if they've filled out a form to appoint you as their agent. Check out more details for acting on someone’s behalf at Work and Income.

I’m retired but not eligible for the disability allowance. Can I use my SuperGold Card to get discounts?

If you’re ineligible for funding through Work and Income and need to purchase a medical alarm system yourself, your SuperGold Card might help you obtain discounts from select suppliers in certain regions. However, there’s no blanket policy around discounts on medical alarms using your SuperGold card. 

Can I cancel my medical alarm service online?

​Generally, no. Most medical alarm providers require you to call their customer service line and put in a cancellation request over the phone. Sometimes, the company may require you to submit a written cancellation request. If you want a refund or to avoid cancellation fees, this is the best time to ask the company. 

I want to submit a complaint about a bad experience I had with a medical alarm provider. Who can I contact?

If you’re unsatisfied with the service of your current medical alarm provider, you can submit a complaint to the Telecare Services Association of New Zealand (TSANZ). For other inquiries or situations, you’re also able to rely on the Consumer Guarantees Act (CGA) to protect you from fraudulent or poor-quality products/services.

Do I have to be at an advanced age (over 65) to get a medical alarm?

  • ​No, you don't have to be over 65 to get a medical alarm. Medical alarms are designed for individuals of all ages at risk of medical emergencies or accidents, including those with chronic health conditions, disabilities, or mobility issues. The primary goal of a medical alarm is to provide safety, security, and peace of mind, ensuring that users can quickly access help when needed, regardless of their age.
  • If you believe a medical alarm would benefit your specific situation, you can certainly consider getting one. However, note that to get the government subsidy (disability allowance) for medical alarms, certain eligibility criteria are listed above. 

When do I need to get a medical alarm (for myself or a dependent such as my parents?)

  • ​Determining the right time to get a medical alarm for yourself or a dependent (e.g. your parents) depends on individual circumstances and needs. However, generally, it pays to be safe than sorry. The more serious the consequences and the likelihood of something happening, the more likely you'll need a medical alarm.
  • If you or your dependent has serious health conditions, mobility issues, frequent falls (or have done so in the past) or are living alone, it could be the right time to get a medical alarm.
  • Even if none of the above applies but you're stressed out daily about your or your dependent's health, getting a medical alarm can alleviate stress and give you peace of mind knowing help is just a button press away. 

What are some key factors to consider when choosing a medical alarm system?

Choosing the right medical alarm can be challenging, especially with the many types and brands available. The most common factors to consider include:
  • Type of alarm: Consider the user's needs and choose an alarm that meets those needs.
  • Features: Look for an alarm with essential features to the user, such as fall detection, GPS tracking, or two-way communication.
  • Price: Medical alarms vary in price, so choose one that is affordable and provides value for money (such as the MSD-accredited medical alarms)
  • Brand reputation or word of mouth: Look for a reputable brand that has good reviews and a track record of providing reliable medical alarms. Ask people you know and trust that have medical alarms about their experiences with them. 

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  • Loans & Finance
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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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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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
      • Bailing Out Your Partner Financially
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      • 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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      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Stealth Wealth
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • Retirement in a Nutshell
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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      • HelloFresh Review
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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