MoneyHub NZ
  • Investing & Saving
    • Reviews >
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Money Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
      • Kernel Review
    • Guides >
      • Investing Guide
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • Exchange Traded Funds
      • Shares vs ETFs
      • Index Funds vs ETFs
      • Ethical Investing
      • Dollar-Cost Averaging Guide
      • Stocks and Shares Trading Games
      • Forex Trading Guide
      • NZX in a Nutshell
      • Managed Funds
      • Investing in Bonds
      • Investing in the US Stock Market from New Zealand
      • Trading in a Nutshell
      • Peer to Peer Lending
      • Crowd Funding Guide
      • Barefoot Investor-Friendly Financial Products in New Zealand
      • Investing for Kids
      • What Happens If Your Investing Platform Shuts Down?
      • How to Read and Understand a Share Chart
      • Investing & Personal Finance Podcasts
      • How to Retire Early
      • Emergency Funds
      • UK Pension Transfer to New Zealand
    • Comparisons >
      • Sharesies vs Hatch vs Stake
      • Hatch vs Stake
      • Comparing Sharesies vs Investnow vs Hatch and more
      • Understand Gross vs Net
    • Best Term Deposits
    • Term Deposit Alternatives
    • 10 Ways to Invest in New Zealand
    • Index Funds
    • Financial Advisers >
      • Financial Advisers Auckland
    • Top 10 New Zealand Personal Finance Experts
    • Cryptocurrency >
      • How to Buy Bitcoin in New Zealand
      • Easy Crypto Review
  • Calculators
    • Mortgage Repayment Calculator
    • PAYE Income Tax Calculator
    • PAYE Tax Rates
    • Retirement Calculator New Zealand
    • Credit Card Interest Calculator
    • Savings Calculator
    • Term Deposit Calculator
    • Debt Consolidation Calculator
    • Personal Loan Calculator
    • Mortgage Calculator
    • Offset Mortgage Calculator
    • Net Worth Calculator
    • Million Dollar Calculator
    • Investment Calculator
    • Car Repayment Calculator
    • Compound Interest Calculator
    • Basis Points Calculator
    • Inflation Calculator
    • Interest Calculator
    • Boat Financing Calculator
    • Home Renovation Loan Calculator
    • Mortgage Overpayment Calculator
    • GST Calculator
    • BMI Calculator New Zealand
  • Loans & Finance
    • Reviews >
      • Harmoney Loans Review
      • Simplify Loans Review
      • Avanti Finance Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
      • Afterpay Review
      • Laybuy Review
      • Oxipay Review
      • Zip Review
      • Q Card & Q Mastercard Review
      • Moola Review
      • Save My Bacon Review
    • Guides >
      • Credit Score and Credit Check
      • Interest Rates Guide
      • Interest Rate Comparison
      • Reverse Mortgages
      • Harmoney vs Moola
      • Baycorp and Debt Collection
    • Personal Loans
    • Secured Loans
    • Car Finance
    • Bad Credit Car Loans
    • Debt Consolidation Loans
    • Car Dealership Finance vs Alternatives
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance
    • House Insurance
    • House Insurance Calculator
    • Pet Insurance >
      • Cat and Dog Desexing
      • Pet Euthanasia
    • Life Insurance >
      • Life Insurance Calculator
    • Health Insurance
    • Income Protection Insurance
    • Mortgage Protection Insurance
    • Landlord Insurance
    • Contents Insurance
    • Home and Contents Insurance
    • Dental Insurance and Dentist Plans
    • Renters' Insurance
    • Phone Insurance
    • Funeral Insurance >
      • Funeral Costs
    • Insurance Excess
    • Motorbike Insurance
    • Insurance Brokers >
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
    • Warehouse Money Review
    • Travel >
      • Travel Insurance
      • 1Cover Travel Insurance
      • AMI Travel Insurance
  • Credit Cards
    • Reviews >
      • TransferWise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum Review
      • American Express Credit Cards Review
    • Guides >
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
    • Best Credit Cards
    • Our Favourite Cards
    • Balance Transfer Credit Cards
    • Free Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Best Foreign Currency Debit & Credit Cards
    • Chargebacks (Credit and Debit Cards)
  • Bank Accounts
    • Best Bank Accounts
    • Best Savings Accounts
    • Best Debit Cards
    • Cut Overdraft Costs
    • Best Bank Accounts for Kids
    • Open Banking Guide
    • International Money Transfers
    • NZ Bank Prefix Codes
    • Reviews >
      • Western Union Review
      • TransferWise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • NZCU South Review
      • The Co-operative Bank NZ Review
  • Mortgages
    • Guides >
      • Mortgage Options
      • Interest-Only Mortgages Guide
      • First Home Loan Guide
      • First Home Buyers Checklist
      • Pay Off Your Mortgage Faster
      • Mortgage Holiday Guide
      • New Zealand Property Types
      • Remortgaging Guide
      • Renting Directly to Tenants vs Using an Agent
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Offset Mortgages
    • Top 10 Home Loans
    • Low-Deposit Home Loans
    • Revolving Credit Mortgages
    • Rent to Own Homes
    • Investment Property Mortgages
    • How to Sell Your House Privately
    • Mortgage Brokers >
      • Trusted Mortgage Brokers in Auckland
      • Trusted Mortgage Brokers in Hamilton
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Calculators >
      • Interest-Only Mortgage Calculator
      • Amortisation Calculator
      • Mortgage Refinance Calculator
      • Fixed or Floating Mortgage Rate Calculator
      • How Much Can I Borrow?
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Retirement in a Nutshell
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver HomeStart Grant Guide
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • CareSaver KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Better Living
    • 20 Ways to Save LOTS on Household Bills
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Firewood >
        • Firewood Auckland
        • Firewood Wellington
        • Firewood Christchurch
        • Firewood Dunedin
      • Rubbish Removal Companies in Auckland
      • Trusted Lawn Mowing Services in Auckland
      • Auckland Pest Control
    • Make Money Online
    • Paid Survey Websites Review
    • Free Samples
    • Valued Opinions Review
    • Budgeting Apps
    • 50/30/20 Budget Calculator
    • Budget Planner
    • Single Parenting and Money
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
      • Auckland Computer Repair Experts
    • Lending Money to Friends & Family
    • Parking Tickets
    • Retirement Villages
    • Tax Refunds
    • Chimney Sweep Auckland
    • Blinds, Curtains and Drapes Auckland
    • Events >
      • Best Caterers >
        • Auckland Catering
        • Tauranga Catering
        • Hamilton Catering
        • Wellington Catering
        • Christchurch Catering
        • Dunedin Catering
        • Lower Hutt Catering
      • Weddings on a Budget
      • Wedding Budget Calculator
      • Auckland Wedding Car Hire
      • Auckland Wedding Photographers
      • Auckland Wedding Celebrant
      • Affordable Auckland Florists
      • Wedding Videographers Auckland
      • Wellington Wedding Photographers
      • Christchurch Wedding Photographers
      • Queenstown Wedding Photographers
    • Car & Motorbike >
      • Car Detailing >
        • Auckland ​Car Detailing
        • Hamilton ​Car Detailing
        • Tauranga ​Car Detailing
        • Wellington ​Car Detailing
        • Christchurch ​Car Detailing
        • Dunedin ​Car Detailing
      • Quality Tyres Auckland
      • Top Auckland Auto Electrical Specialists
      • Best Car Batteries
      • Best Electric Cars
      • Electric Scooters
      • Best Electric Bikes
    • Screen Printing Auckland
    • Online Business >
      • Social Media Influencer Marketing
      • Trusted Auckland SEO Companies
      • Auckland Graphic Design
    • Dry Cleaners Auckland
    • Window Tinting Auckland
    • Cabinet Makers Auckland
    • Naturopaths Auckland
    • Asbestos Removal Auckland
    • Makeup Artists Auckland
    • Dentists Auckland
    • Arborists Auckland
    • Auckland Security Systems
    • Podiatrists Auckland
    • Optometrists Auckland
    • Auckland Land Surveyors
    • Cleaners Auckland
    • Gutter Cleaning Auckland
    • Chiropractors Auckland
    • Fridge Repair Auckland
    • Auckland Landscapers
    • Pets >
      • Trusted Catteries >
        • Cattery Auckland
        • Cattery Hamilton
        • Cattery Tauranga
        • Cattery Wellington
        • Cattery Christchurch
      • Trusted Dog Boarding >
        • Dog Boarding Kennels Auckland
        • Dog Boarding Kennels Wellington
        • Dog Boarding Kennels Christchurch
      • Trusted Doggy Daycare Providers >
        • Dog Daycare Auckland
        • Dog Daycare Wellington
        • Dog Daycare Christchurch
      • Puppy Schools >
        • Puppy School & Dog Training Auckland
        • Puppy School & Dog Training Hamilton
        • Puppy School & Dog Training Wellington
        • Puppy School & Dog Training Christchurch
      • Trusted Dog Groomers >
        • Dog Grooming Auckland
        • Dog Grooming Wellington
        • Dog Grooming Christchurch
    • Renovations >
      • Trusted Auckland Painters
      • Trusted Auckland Electricians
      • Trusted Builders >
        • Trusted Auckland Builder
        • Trusted Builders in Tauranga
        • Trusted Builders in Hamilton
        • Trusted Builders in Wellington
        • Trusted Builders in Christchurch
        • Trusted Builders in Dunedin
        • Trusted Builders in Lower Hutt
      • Plumbers >
        • Trusted Plumbers in Auckland
        • Trusted Plumbers in Hamilton
        • Trusted Plumbers in Tauranga
        • Trusted Plumbers in Wellington
        • Trusted Plumbers in Lower Hutt
        • Trusted Plumbers in Christchurch
        • Trusted Plumbers in Dunedin
      • Panelbeaters >
        • Trusted Panel Beaters in Auckland
        • Trusted Panel Beaters in Hamilton
        • Trusted Panel Beaters in Tauranga
        • Trusted Panel Beaters in Wellington
        • Trusted Panel Beaters in Lower Hutt
        • Trusted Panel Beaters in Christchurch
        • Trusted Panel Beaters in Dunedin
      • Building Inspectors >
        • Auckland Building Inspectors
        • Hamilton Building Inspectors
        • Tauranga Building Inspectors
        • Napier and Hastings Building Inspectors
        • Wellington Building Inspectors
        • Christchurch Building Inspectors
        • Dunedin Building Inspectors
      • Auckland Glazier
      • Garage Door Repairs Auckland
      • Auckland Flooring
      • Best Auckland Locksmiths
      • Concreters Auckland
      • Auckland Scaffolding Companies
      • Bathroom Renovations Guide >
        • Bathroom Renovations Auckland
      • Auckland Roofing
      • Auckland Solar Panels
    • The Complete Guide to Renting in New Zealand
    • Heat Pump Experts >
      • Heat Pumps Auckland
      • Heat Pumps Tauranga
      • Heat Pumps Hamilton
      • Heat Pumps Napier and Hastings
      • Heat Pumps Wellington
      • Heat Pumps Christchurch
      • Heat Pumps Dunedin
    • Trade Me Selling Tips
    • Prezzy Cards
    • Food >
      • Christmas Club >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
        • Domino's Coupons
        • Pizza Hut Coupons
        • KFC Coupons
        • Burger King Coupons
        • McDonald's Coupons
        • BurgerFuel Vouchers
        • Hell Pizza Vouchers and Coupons
    • Health & Personal Care >
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
    • Teaching Kids About Money
  • Business
    • 10 Money Saving Tips For Businesses
    • How to Start a Business in New Zealand
    • Reviews >
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Plain English Awards
    • Business Insurance
    • Public Liability Insurance
    • Business Credit Cards
    • Business Loans
    • Business Podcasts
    • Domain Names
    • Top Web Designers >
      • Auckland Web Designers
      • Hamilton Web Designers
      • Wellington Web Designers
      • Christchurch Web Designers
      • Tauranga Web Designers
      • Lower Hutt Web Designers
      • Dunedin Web Designers
    • Get Debtors to Pay Overdue Invoices
    • Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
  • Work and Income
    • Navigating Work and Income Benefits
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • NZ Superannuation in a Nutshell >
      • Superannuation Rates 2021
    • Debt Help
    • Bankruptcy Guide
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory >
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
    • Free Money from the Government
  • Students
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Scholarships 2021
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2021
    • Jobs >
      • Student Jobs Guide
      • Student CV Template
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
    • Freebies for School Students
    • School Holidays NZ 2021
    • Public Holidays 2021 & 2022
  • Motoring
    • Buying a Used Car
    • 20 Ways to Make Driving Cheaper
    • AA Membership Review
    • Vehicle Leasing
    • Best Car Mechanics >
      • Best Auckland Car Mechanics
      • Best Car Mechanics in Hamilton
      • Best Car Mechanics in Tauranga
      • Best Car Mechanics in Wellington
      • Best Car Mechanics in Lower Hutt
      • Best Car Mechanics in Christchurch
      • Best Car Mechanics in Dunedin
    • Warrant of Fitness Guide >
      • 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
  • Wills and Trusts
    • Wills Guide
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
  • Employment
    • CV Templates & Tips
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles in New Zealand
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Cheap Domestic Flights
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Travel Money Cards
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Air NZ Upgrade Guide
    • Currency Converter
    • No Nonsense Upgrade Guide
    • Air New Zealand Travel Tips
    • Airpoints Flexipay Guide
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange >
      • 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
  • Entertainment
    • Netflix Review >
      • Best Netflix Movies
      • Best Netflix TV Shows
    • Amazon Prime Video Review >
      • Best Amazon Prime Movies
      • Best Amazon Prime TV Shows
    • Disney+ Review
  • Mobile Phones
    • Best iPhone Plans
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • Mobile Data Roaming
    • Spark Mobile Review
    • Vodafone Mobile Review
    • 2degrees Mobile Review
    • Best Power Banks
  • Health
    • Gym Memberships Guide >
      • Auckland Gym Memberships Guide
      • Hamilton Gym Memberships Guide
      • Tauranga Gym Memberships Guide
      • Wellington Gym Memberships Guide
      • Christchurch Gym Memberships Guide
      • Dunedin Gym Memberships Guide
    • Personal Trainers >
      • Personal Trainers Auckland
      • Personal Trainers Hamilton
      • Personal Trainers Tauranga
      • Personal Trainers Wellington
      • Personal Trainers Christchurch
      • Personal Trainers Dunedin
    • Acupuncture Auckland
  • Search MoneyHub

NZ Superannuation in a Nutshell

Our guide explains everything you need to know about entitlements, applying, how overseas pensions affect entitlements, working after 65 and other receiving benefits

NZ Superannuation in a Nutshell
Updated 18 December 2020
Summary
  • ​New Zealand Superannuation is the more formal name given to the pension. Often shortened to "NZ Super", "Super", "Pension" or National Super" it is the payment proper become eligible for once they turn 65.
  • ​There are no income or asset limits that might prevent eligibility and payments continue as long as you live in New Zealand. You can remain in full time or part-time work once you turn 65 and still receive New Zealand Superannuation payments.
  • Payments are made fortnightly directly to your bank account. A single person living alone could expect to receive $847.66 per fortnight before tax.
  • Payment amounts are outline in our dedicated NZ Super rates guide. 

Our guide covers:
  • Eligibility Criteria for New Zealand Superannuation
  • Must-Know Superannuation Facts and Considerations

NZ Superannuation in a Nutshell

Eligibility Criteria for New Zealand Superannuation

The key eligibility criteria for New Zealand Superannuation are that you:
  • Are 65 years of age or over
  • Are either a New Zealand citizen, a permanent resident, or hold a residence class visa
  • Are ordinarily resident in New Zealand, the Cook Islands, Niue or Tokelau when you apply
  • Have lived in New Zealand for at least 10 years since you turned 20
  • Have lived in New Zealand, the Cook Islands, Niue or Tokelau (or a combination of these) for at least 5 years since you turned 50.

The residency criteria can be quite strict, and if you've lived in one of a number of countries during your life, you may need to confirm the dates you were in and out of New Zealand. ​The easiest way to do this is to give Work and Income permission to obtain your travel records from Immigration New Zealand.
If you don't meet the residency criteria for New Zealand Superannuation, you may be eligible to apply for a different type of assistance under hardship provisions - either Jobseeker Support or as a last resort, an Emergency Benefit.
How to apply:
  1. As with most type of assistance available from Work and Income, you'll need to complete an application form either online or in person, attend an interview and provide verification of some of your documents.
  2. The documents you'll need are two forms of identification (e.g. a Birth Certificate and/or Passport plus something else), verification of your bank account details, and information about any additional income, investments, expense or overseas pensions.
  3. For straightforward applications (and in response to Covid-19), Work and Income are offering phone appointments to complete your application if you start the process online.

​When to apply:
  1. Work and Income recommend making contact with them three to four weeks before your 65th birthday to ensure that your payments can start as soon as you turn 65.
  2. If you have received Work and Income assistance in the past, then they may send you a letter inviting you to apply, but don't rely on this happening.
  3. As with most assistance from Work and Income, payments can only be backdated to the day you first make contact, so don't leave it too late otherwise you will miss out on unclaimed superannuation.
  4. Remember, you don't need to be out of work or have finished work to receive New Zealand Superannuation - you can keep working as long as you like while receiving your superannuation payments at the same time.

NZ Superannuation in a Nutshell

New Zealand Superannuation - Must-Know Facts and Considerations

NZ Superannuation in a Nutshell

​New Zealand Superannuation isn't KiwiSaver

KiwiSaver and New Zealand Superannuation are two different things.  ​KiwiSaver is a (mostly) voluntary retirement savings scheme where you choose to put a percentage of your salary or wages aside into an investment account. When you turn 65 you can access your KiwiSaver savings to support you during your retirement. You can receive both KiwiSaver and New Zealand Superannuation, or just one, or neither.

Because New Zealand Superannuation isn't income or asset tested, receiving either a lump sum KiwiSaver payment or a regular payment each week doesn't affect your entitlement. However, once you can access your KiwiSaver savings at age 65, Work and Income does consider the money an asset, which may prevent you from receiving additional support from Work and Income like the Accommodation Supplement, the Disability Allowance or assistance with emergency food.

We strongly recommend you seek advice about what to do with your KiwiSaver savings when you turn 65. We are aware of new retirees who have withdrawn their entire KiwiSaver balance and fallen into the trap of spending it all at once on cars and holidays believing this is the only way to be eligible for Work and Income assistance.

Its well worth investigating options for receiving regular payments from KiwiSaver so you can benefit from investment returns, rather than a lump sum payment into your bank account.
NZ Superannuation in a Nutshell

If you have lived overseas you may need to provide detailed paperwork

Because both overseas pensions and time outside of New Zealand can effect your entitlement to assistance, getting a good picture of where you have lived can form a big part of your application.It's best to be prepared. Try and write down where you have lived and when before your appointment, and think about if you worked at the time and if you may have been eligible for a Government pension—even time doing and OE or living in Australia count.

Doing a small amount of preperation work can save a lot of time in your application and prevent delays.

Know this: ​While most forms of income don't affect your New Zealand Superannuation payments, pensions or superannuation paid by other countries do.
  • If you receive a Government pension from any other country, the amount you receive is deducted from your payments from the New Zealand Government. Generally, you receive the payment from the overseas Government and Work and Income make a dollar for dollar deduction from your New Zealand Superannuation payments, allowing for bank fees and currency conversion.
  • If you receive a benefit or pension from The Netherlands, Jersey and Guernsey, United Kingdom or Ireland you can choose to have your overseas benefit or pension paid by the Special Banking Option. This means you receive your full New Zealand Superannuation payment from Work and Income, and your payment due from the overseas pension is paid directly to the Government.
  • This doesn't apply to voluntary superannuation schemes and pensions (e.g. overseas versions of KiwiSaver) but does apply to compulsory schemes or schemes run by Governments.
  • If you have lived and worked in a few countries this can get quite complicated, so best to think about what you might be eligible for from overseas before you apply so you are prepared.

What if I just don't apply for my overseas pension?
  1. Work and Income will require that you test your eligibility to an overseas pension if there is a possibility you will qualify.
  2. Depending on the country, this can be quite complicated, but they have a dedicated department (International Services) to help you through the process.
  3. Unfortunately, opting out of making an application isn't really an option.
NZ Superannuation in a Nutshell

Beyond the superannuation payment, you are also able to apply for additional support

​As long as you meet the income and asset requirements, you are still able to receive supplementary assistance from Work and Income when you receive New Zealand Superannuation. This can include:
  • Hardship assistance such as food grants or advance payments of benefit
  • Accommodation Supplement if you are paying rent, board or mortgage costs
  • Disability Allowance if you have ongoing costs related to an ongoing disability.

You can include an application for this assistance when you apply, or apply any time once your New Zealand Superannuation has been granted.
NZ Superannuation in a Nutshell

Special assistance for Veterans and their partners

​If you have served in the Armed Forces, you may be eligible for a Veteran's Pension rather than New Zealand Superannuation. There are financial advantages to receiving a Veteran's Pension and other grants and allowances to people in specific circumstances.

If you think this may apply to you then before applying for New Zealand Superannuation, contact Work and Income's Veteran's Pension Centre on 0800 650 656 to talk about your circumstances, and they’ll explain how to apply.
NZ Superannuation in a Nutshell

​SuperGold Card

SuperGold - or the ‘gold card’ as some people know it is a programme that offers discounts for people who are over the age of 65. Discounts can range from things like electricity, insurance, food and healthcare to free off-peak public transport.

​You don’t have to do anything to get a SuperGold Card, once your New Zealand Superannuation has been granted, Work and Income will automatically send you the card in the mail.


The SuperGold Card isn't a replacement for the Community Services Card - you can use both with the Community Services Card being more closely linked to healthcare services.
NZ Superannuation in a Nutshell

​Including your partner under 65 years of age

  • Currently, if you get New Zealand Superannuation and have a partner who doesn’t qualify because they haven't yet turned 65, you can choose to include them in your payments. If they aren't working this can work out better for you financially.
  • From 9 November 2020, you won’t be able to include non-qualified partners in your payments. Instead, your partner will be able to apply for other kinds of assistance.

Know this: If you include a non-qualified partner in your application, then there 
is a deduction made based on you or your partner's income:
  1. You can earn up to $115 a week, or $5,980 a year (before tax) between you before your New Zealand Superannuation is affected. If you earn more than $115 (before tax) a week your payments are reduced by 70 cents for every dollar of income over $115 (before tax).
  2. There may be an impact on your tax rate too, depending on any other taxable income you receive.
  3. If you don't include your partner, you'll only receive the single rate of payment
  4. While this framework seems complicated, Work and Income suggest talking to them about your individual situation when you apply. They'll help you work out what the best option is for you.

Important: It is a popular misconception that Work and Income staff are encouraged to deny people their full entitlement to assistance - this is not true. Staff can be penalised if they don't ensure people they see are receiving their full and correct entitlement to assistance.


Related guides

  1. Navigating Work and Income - an essential must-read guide that explains everything you need to know about dealing with Work and Income before visiting your local office
  2. Retirement Calculator - calculate how much you need for your retirement
  3. Community Services Card - we cover who qualifies, what it offers and why they're important
  4. Understanding urgent costs and living expense assistance - we explain what's available to anyone in urgent need

Search MoneyHub.co.nz in seconds:

  • Read our Advertising Policy
  • Sign up to our newsletter
  • Calculate your PAYE After-Tax Income

How this website works
MoneyHub.co.nz was founded on the principles of honesty and transparency in reporting. For this reason, we believe in being completely upfront about how this website works, its strengths and its weaknesses.
​
MoneyHub.co.nz does not provide investment advice, financial services or any form of advisory. Our guides, resources and tools are presented without consideration of the financial circumstances of any specific user. 

Important: We may be compensated if you click on a link, but such links do not affect our findings. MoneyHub publishes guides based on facts and numbers, not incentives. Our advertising policy explains more.
  • We are a journalistic online resource with the aim of providing New Zealanders with the best money guides, tips and tools. 
  • We can't guarantee everything contained on this website will be perfect - you use the information contained on our website and all social channels at your own risk.​
  • The information on this website does not constitute financial advice in any form.
  • ​Our priority is accurate information. In rare instances, a provider will change a price or product before we've had a chance to update our information; double check prices first before making any decision. ​
  • We link to other websites throughout this website, but take no responsibility for the content they publish.
  • ​We cannot accept liability for any decision made based on our information.
  • We welcome your stories, tips and any feedback via [email protected]
Our values statement is simple: MoneyHub exists to give every New Zealander the information they need to make better financial decisions. 
​
Please read our full Terms & Conditions, About MoneyHub, Advertising Policy, Contact Us, Cookies & Data FAQs, Make a Complaint, Privacy Policy and Media and Press Information. 
fintechnz member
Picture
  • Investing & Saving
    • Reviews >
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Money Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
      • Kernel Review
    • Guides >
      • Investing Guide
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • Exchange Traded Funds
      • Shares vs ETFs
      • Index Funds vs ETFs
      • Ethical Investing
      • Dollar-Cost Averaging Guide
      • Stocks and Shares Trading Games
      • Forex Trading Guide
      • NZX in a Nutshell
      • Managed Funds
      • Investing in Bonds
      • Investing in the US Stock Market from New Zealand
      • Trading in a Nutshell
      • Peer to Peer Lending
      • Crowd Funding Guide
      • Barefoot Investor-Friendly Financial Products in New Zealand
      • Investing for Kids
      • What Happens If Your Investing Platform Shuts Down?
      • How to Read and Understand a Share Chart
      • Investing & Personal Finance Podcasts
      • How to Retire Early
      • Emergency Funds
      • UK Pension Transfer to New Zealand
    • Comparisons >
      • Sharesies vs Hatch vs Stake
      • Hatch vs Stake
      • Comparing Sharesies vs Investnow vs Hatch and more
      • Understand Gross vs Net
    • Best Term Deposits
    • Term Deposit Alternatives
    • 10 Ways to Invest in New Zealand
    • Index Funds
    • Financial Advisers >
      • Financial Advisers Auckland
    • Top 10 New Zealand Personal Finance Experts
    • Cryptocurrency >
      • How to Buy Bitcoin in New Zealand
      • Easy Crypto Review
  • Calculators
    • Mortgage Repayment Calculator
    • PAYE Income Tax Calculator
    • PAYE Tax Rates
    • Retirement Calculator New Zealand
    • Credit Card Interest Calculator
    • Savings Calculator
    • Term Deposit Calculator
    • Debt Consolidation Calculator
    • Personal Loan Calculator
    • Mortgage Calculator
    • Offset Mortgage Calculator
    • Net Worth Calculator
    • Million Dollar Calculator
    • Investment Calculator
    • Car Repayment Calculator
    • Compound Interest Calculator
    • Basis Points Calculator
    • Inflation Calculator
    • Interest Calculator
    • Boat Financing Calculator
    • Home Renovation Loan Calculator
    • Mortgage Overpayment Calculator
    • GST Calculator
    • BMI Calculator New Zealand
  • Loans & Finance
    • Reviews >
      • Harmoney Loans Review
      • Simplify Loans Review
      • Avanti Finance Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
      • Afterpay Review
      • Laybuy Review
      • Oxipay Review
      • Zip Review
      • Q Card & Q Mastercard Review
      • Moola Review
      • Save My Bacon Review
    • Guides >
      • Credit Score and Credit Check
      • Interest Rates Guide
      • Interest Rate Comparison
      • Reverse Mortgages
      • Harmoney vs Moola
      • Baycorp and Debt Collection
    • Personal Loans
    • Secured Loans
    • Car Finance
    • Bad Credit Car Loans
    • Debt Consolidation Loans
    • Car Dealership Finance vs Alternatives
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance
    • House Insurance
    • House Insurance Calculator
    • Pet Insurance >
      • Cat and Dog Desexing
      • Pet Euthanasia
    • Life Insurance >
      • Life Insurance Calculator
    • Health Insurance
    • Income Protection Insurance
    • Mortgage Protection Insurance
    • Landlord Insurance
    • Contents Insurance
    • Home and Contents Insurance
    • Dental Insurance and Dentist Plans
    • Renters' Insurance
    • Phone Insurance
    • Funeral Insurance >
      • Funeral Costs
    • Insurance Excess
    • Motorbike Insurance
    • Insurance Brokers >
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
    • Warehouse Money Review
    • Travel >
      • Travel Insurance
      • 1Cover Travel Insurance
      • AMI Travel Insurance
  • Credit Cards
    • Reviews >
      • TransferWise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum Review
      • American Express Credit Cards Review
    • Guides >
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
    • Best Credit Cards
    • Our Favourite Cards
    • Balance Transfer Credit Cards
    • Free Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Best Foreign Currency Debit & Credit Cards
    • Chargebacks (Credit and Debit Cards)
  • Bank Accounts
    • Best Bank Accounts
    • Best Savings Accounts
    • Best Debit Cards
    • Cut Overdraft Costs
    • Best Bank Accounts for Kids
    • Open Banking Guide
    • International Money Transfers
    • NZ Bank Prefix Codes
    • Reviews >
      • Western Union Review
      • TransferWise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • NZCU South Review
      • The Co-operative Bank NZ Review
  • Mortgages
    • Guides >
      • Mortgage Options
      • Interest-Only Mortgages Guide
      • First Home Loan Guide
      • First Home Buyers Checklist
      • Pay Off Your Mortgage Faster
      • Mortgage Holiday Guide
      • New Zealand Property Types
      • Remortgaging Guide
      • Renting Directly to Tenants vs Using an Agent
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Offset Mortgages
    • Top 10 Home Loans
    • Low-Deposit Home Loans
    • Revolving Credit Mortgages
    • Rent to Own Homes
    • Investment Property Mortgages
    • How to Sell Your House Privately
    • Mortgage Brokers >
      • Trusted Mortgage Brokers in Auckland
      • Trusted Mortgage Brokers in Hamilton
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Calculators >
      • Interest-Only Mortgage Calculator
      • Amortisation Calculator
      • Mortgage Refinance Calculator
      • Fixed or Floating Mortgage Rate Calculator
      • How Much Can I Borrow?
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Retirement in a Nutshell
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver HomeStart Grant Guide
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • CareSaver KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Better Living
    • 20 Ways to Save LOTS on Household Bills
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Firewood >
        • Firewood Auckland
        • Firewood Wellington
        • Firewood Christchurch
        • Firewood Dunedin
      • Rubbish Removal Companies in Auckland
      • Trusted Lawn Mowing Services in Auckland
      • Auckland Pest Control
    • Make Money Online
    • Paid Survey Websites Review
    • Free Samples
    • Valued Opinions Review
    • Budgeting Apps
    • 50/30/20 Budget Calculator
    • Budget Planner
    • Single Parenting and Money
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
      • Auckland Computer Repair Experts
    • Lending Money to Friends & Family
    • Parking Tickets
    • Retirement Villages
    • Tax Refunds
    • Chimney Sweep Auckland
    • Blinds, Curtains and Drapes Auckland
    • Events >
      • Best Caterers >
        • Auckland Catering
        • Tauranga Catering
        • Hamilton Catering
        • Wellington Catering
        • Christchurch Catering
        • Dunedin Catering
        • Lower Hutt Catering
      • Weddings on a Budget
      • Wedding Budget Calculator
      • Auckland Wedding Car Hire
      • Auckland Wedding Photographers
      • Auckland Wedding Celebrant
      • Affordable Auckland Florists
      • Wedding Videographers Auckland
      • Wellington Wedding Photographers
      • Christchurch Wedding Photographers
      • Queenstown Wedding Photographers
    • Car & Motorbike >
      • Car Detailing >
        • Auckland ​Car Detailing
        • Hamilton ​Car Detailing
        • Tauranga ​Car Detailing
        • Wellington ​Car Detailing
        • Christchurch ​Car Detailing
        • Dunedin ​Car Detailing
      • Quality Tyres Auckland
      • Top Auckland Auto Electrical Specialists
      • Best Car Batteries
      • Best Electric Cars
      • Electric Scooters
      • Best Electric Bikes
    • Screen Printing Auckland
    • Online Business >
      • Social Media Influencer Marketing
      • Trusted Auckland SEO Companies
      • Auckland Graphic Design
    • Dry Cleaners Auckland
    • Window Tinting Auckland
    • Cabinet Makers Auckland
    • Naturopaths Auckland
    • Asbestos Removal Auckland
    • Makeup Artists Auckland
    • Dentists Auckland
    • Arborists Auckland
    • Auckland Security Systems
    • Podiatrists Auckland
    • Optometrists Auckland
    • Auckland Land Surveyors
    • Cleaners Auckland
    • Gutter Cleaning Auckland
    • Chiropractors Auckland
    • Fridge Repair Auckland
    • Auckland Landscapers
    • Pets >
      • Trusted Catteries >
        • Cattery Auckland
        • Cattery Hamilton
        • Cattery Tauranga
        • Cattery Wellington
        • Cattery Christchurch
      • Trusted Dog Boarding >
        • Dog Boarding Kennels Auckland
        • Dog Boarding Kennels Wellington
        • Dog Boarding Kennels Christchurch
      • Trusted Doggy Daycare Providers >
        • Dog Daycare Auckland
        • Dog Daycare Wellington
        • Dog Daycare Christchurch
      • Puppy Schools >
        • Puppy School & Dog Training Auckland
        • Puppy School & Dog Training Hamilton
        • Puppy School & Dog Training Wellington
        • Puppy School & Dog Training Christchurch
      • Trusted Dog Groomers >
        • Dog Grooming Auckland
        • Dog Grooming Wellington
        • Dog Grooming Christchurch
    • Renovations >
      • Trusted Auckland Painters
      • Trusted Auckland Electricians
      • Trusted Builders >
        • Trusted Auckland Builder
        • Trusted Builders in Tauranga
        • Trusted Builders in Hamilton
        • Trusted Builders in Wellington
        • Trusted Builders in Christchurch
        • Trusted Builders in Dunedin
        • Trusted Builders in Lower Hutt
      • Plumbers >
        • Trusted Plumbers in Auckland
        • Trusted Plumbers in Hamilton
        • Trusted Plumbers in Tauranga
        • Trusted Plumbers in Wellington
        • Trusted Plumbers in Lower Hutt
        • Trusted Plumbers in Christchurch
        • Trusted Plumbers in Dunedin
      • Panelbeaters >
        • Trusted Panel Beaters in Auckland
        • Trusted Panel Beaters in Hamilton
        • Trusted Panel Beaters in Tauranga
        • Trusted Panel Beaters in Wellington
        • Trusted Panel Beaters in Lower Hutt
        • Trusted Panel Beaters in Christchurch
        • Trusted Panel Beaters in Dunedin
      • Building Inspectors >
        • Auckland Building Inspectors
        • Hamilton Building Inspectors
        • Tauranga Building Inspectors
        • Napier and Hastings Building Inspectors
        • Wellington Building Inspectors
        • Christchurch Building Inspectors
        • Dunedin Building Inspectors
      • Auckland Glazier
      • Garage Door Repairs Auckland
      • Auckland Flooring
      • Best Auckland Locksmiths
      • Concreters Auckland
      • Auckland Scaffolding Companies
      • Bathroom Renovations Guide >
        • Bathroom Renovations Auckland
      • Auckland Roofing
      • Auckland Solar Panels
    • The Complete Guide to Renting in New Zealand
    • Heat Pump Experts >
      • Heat Pumps Auckland
      • Heat Pumps Tauranga
      • Heat Pumps Hamilton
      • Heat Pumps Napier and Hastings
      • Heat Pumps Wellington
      • Heat Pumps Christchurch
      • Heat Pumps Dunedin
    • Trade Me Selling Tips
    • Prezzy Cards
    • Food >
      • Christmas Club >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
        • Domino's Coupons
        • Pizza Hut Coupons
        • KFC Coupons
        • Burger King Coupons
        • McDonald's Coupons
        • BurgerFuel Vouchers
        • Hell Pizza Vouchers and Coupons
    • Health & Personal Care >
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
    • Teaching Kids About Money
  • Business
    • 10 Money Saving Tips For Businesses
    • How to Start a Business in New Zealand
    • Reviews >
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Plain English Awards
    • Business Insurance
    • Public Liability Insurance
    • Business Credit Cards
    • Business Loans
    • Business Podcasts
    • Domain Names
    • Top Web Designers >
      • Auckland Web Designers
      • Hamilton Web Designers
      • Wellington Web Designers
      • Christchurch Web Designers
      • Tauranga Web Designers
      • Lower Hutt Web Designers
      • Dunedin Web Designers
    • Get Debtors to Pay Overdue Invoices
    • Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
  • Work and Income
    • Navigating Work and Income Benefits
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • NZ Superannuation in a Nutshell >
      • Superannuation Rates 2021
    • Debt Help
    • Bankruptcy Guide
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory >
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
    • Free Money from the Government
  • Students
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Scholarships 2021
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2021
    • Jobs >
      • Student Jobs Guide
      • Student CV Template
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
    • Freebies for School Students
    • School Holidays NZ 2021
    • Public Holidays 2021 & 2022
  • Motoring
    • Buying a Used Car
    • 20 Ways to Make Driving Cheaper
    • AA Membership Review
    • Vehicle Leasing
    • Best Car Mechanics >
      • Best Auckland Car Mechanics
      • Best Car Mechanics in Hamilton
      • Best Car Mechanics in Tauranga
      • Best Car Mechanics in Wellington
      • Best Car Mechanics in Lower Hutt
      • Best Car Mechanics in Christchurch
      • Best Car Mechanics in Dunedin
    • Warrant of Fitness Guide >
      • 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
  • Wills and Trusts
    • Wills Guide
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
  • Employment
    • CV Templates & Tips
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles in New Zealand
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Cheap Domestic Flights
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Travel Money Cards
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Air NZ Upgrade Guide
    • Currency Converter
    • No Nonsense Upgrade Guide
    • Air New Zealand Travel Tips
    • Airpoints Flexipay Guide
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange >
      • 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
  • Entertainment
    • Netflix Review >
      • Best Netflix Movies
      • Best Netflix TV Shows
    • Amazon Prime Video Review >
      • Best Amazon Prime Movies
      • Best Amazon Prime TV Shows
    • Disney+ Review
  • Mobile Phones
    • Best iPhone Plans
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • Mobile Data Roaming
    • Spark Mobile Review
    • Vodafone Mobile Review
    • 2degrees Mobile Review
    • Best Power Banks
  • Health
    • Gym Memberships Guide >
      • Auckland Gym Memberships Guide
      • Hamilton Gym Memberships Guide
      • Tauranga Gym Memberships Guide
      • Wellington Gym Memberships Guide
      • Christchurch Gym Memberships Guide
      • Dunedin Gym Memberships Guide
    • Personal Trainers >
      • Personal Trainers Auckland
      • Personal Trainers Hamilton
      • Personal Trainers Tauranga
      • Personal Trainers Wellington
      • Personal Trainers Christchurch
      • Personal Trainers Dunedin
    • Acupuncture Auckland
  • Search MoneyHub