MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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10 Passive Income Ideas for New Zealanders Looking for Financial Freedom

There's no fast track to passive income - our guide outlines everything you need to know about building a strong financial position with 10+ proven ways to generate money with minimal work
Passive Income Ideas New Zealand
Updated 13 March 2025
Passive income is often misunderstood as something that doesn’t take a lot of time to create. The reality is that passive income is the product of years of taking calculated risks and decisions, sacrifices and hard work. However, once achieved, passive income can be an enormous long-term benefit. Beyond providing a constant stream of income, it can be a lifeline in times of need.  

Know this: The reality is that most New Zealanders are not saving enough for their retirement. While this isn’t an issue while people are working, it has severe effects later on when paydays drop from $3,000 or $5,000+ a month after tax to $1,400 (by way of the state pension). Without any ability to earn more income, retirement can be a challenging time without passive income.

Generally, the idea of passive income is creating a flow of money that comes regardless of how much work you do. In this guide, we outline:
  • What is Passive Income?
  • ​10 Passive Income Opportunities for Creating and Sustaining Wealth
  • Bonus: Saving for Passive Income Opportunities
  • Passive Income Frequently Asked Questions
Important:
  • This guide does not cover income-generating activities that require an ongoing and fixed commitment of time. See our guides to side hustles, making money online and paid surveys for more relevant information.
  • We’ve also excluded unrealistic passive income ‘opportunities’ promoted on YouTube and social media, such as ‘authoring e-books’, ‘record music’ or ‘take photos and sell them online’ as we don’t believe these are lucrative or sustainable. 
  • Instead, we focus on passive income opportunities that are genuine, sustainable and generate a flow of money that can improve your wealth in the long-term.

Our Friends Booster Offer Booster Savvy, Where Passive Income Meets Everyday Spending

  • ​Looking for a low-effort way to grow your money? Booster Savvy redefines passive income with a 3.75% p.a. return (net of fees, reviewed monthly) on your everyday account—credited monthly, no active investing required.
  • Unlike bank accounts that routinely pay zero or very low interest rates, Savvy invests your funds in the Booster Savvy Fund, blending high returns with debit card convenience.
  • Better still, Booster Savvy lets you track all of your expenses, helps you isolate costs and see where your money goes, a proven way to save more alongside any passive income investments and activities you undertake.  
  • Booster Savvy shines with its ability to earn interest daily, access funds instantly via Mastercard debit card, and use analytics to cut wasteful spending - making your money work harder without lifting a finger. It's a popular complement to maximising passive income. And, as a PIE, it's capped at 28% tax, maximising your gains.
  • Know More: Dive into our full Savvy Review or visit their website to see how it works well to maximise your passive income efforts (and save you money by allowing you to review your expenses easily).​
Visit Savvy
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Passive Income Ideas New Zealand

What is Passive Income?

In a nutshell, passive income is money you receive from sources outside of your employment. While the Inland Revenue Department (IRD) doesn’t define passive income, the reality is most, but not all, income is taxable. In this guide, we explore passive income opportunities such as rental income, dividends, business profit sharing and interest income from loans and investments. 

Passive income is not a “get rich quick” offering – it requires work, which must be provided upfront. It also requires continuous management – i.e. your rental property must stay tenanted, your dividend-producing investment must be optimised, and your income-producing business must stay managed and staffed. Neglecting what generates passive income will, almost certainly, eventually stop the dollars flowing. 

​What is the difference between active income and passive income?

Active income is earned when services are performed. This includes salaries, wages and income from any activity where you regularly participate. Passive income is money you make with little to no involvement – for example, rental income, dividend payments and advertising income from a website/blog.

Passive Income Ideas New Zealand

10 Passive Income Opportunities for Creating and Sustaining Wealth

Our list below outlines potential passive income streams, how to achieve them and the pros, cons and risks of each. Underlying every passive income opportunity is the reality that generating income takes time and hard work up front.

MoneyHub’s founder, Christopher Walsh, explains:

“I set up a business with a friend in 2013 with the aim of it being a passive income business. It achieved that in 2017, but it took a lot of work, and there were highs and lows along the way. I continue to be involved, supporting staff and implementing new procedures where required. Any type of passive income requires this – the exception being investing a pile of money and living off the dividends and interest income. However, you would need about $1,000,000 to make $3,000+ a month of passive income (after tax) at current term deposit interest rates”.

“The original passive income stream has helped me to invest in income-producing assets, such as managed funds, property and term deposits. The flow of money starts small, but with continued focus, sacrifices and nurturing, it can quickly grow”.
   

Important – the key to any stream of passive income is to diversify what you invest in. Having one rental property or $100,000 in shares in one dividend-paying company is risky – the house may become vacant, or the company may run into financial difficulties. The more diversified your investments, the more secure your long-term passive income streams will be.
Passive Income Ideas New Zealand

Rental income

Rental income, i.e. receiving rent money from a property you own, is one of the most popular and sustainable forms of earning passive income. However, it’s not without its risks, and many New Zealanders have lost some of their original investment chasing rental property. 

Passive income potential: $200 - $800+ per week, depending on the market rental income for the particular property. However, this amount excludes the ongoing costs, which even after your mortgage is paid off, are several thousands of dollars every year. This excludes any capital gains, i.e. increase in the property’s value, which can provide a tax-free, lump-sum benefit later on if you sell your rental property at a profit. 

How to get started: Rental property is best purchased when you have a robust plan and commit to the long-term. For example, you can buy a house in Hamilton or Christchurch for around $600,000 with a 30% deposit ($180,000) and rent it for about $400 to $600 a week. However, there’s a lot of ongoing costs involved – mortgage repayments and interest, insurance, maintenance, repairs, rental management fees, accounting fees, tax, and rates are just some of what you’ll face. 

Risk: Rental property is challenging – if you get a problematic tenant who pays late, damages the property or doesn’t pay at all, the sustainability of your investment is at risk. If your property is vacant for a few weeks or even months, you have all the costs without the revenue. 

Cost to get started: We estimate that anyone with around $100,000 in cash, or is prepared to risk taking out a first or second mortgage against their primary home, can invest in residential property. The best approach is to research the market, talk to agents and have a plan. This guide from Opes Partners provides extensive detail about purchasing a rental property to generate passive income. 
Passive Income Ideas New Zealand

Shares that pay high dividends

When a company makes a profit, it can choose to pay dividends (cash) to its investors (i.e. shareholders). Investing in profitable companies can provide a passive income stream, but there’s no guarantee a company will always pay dividends. 

Passive income potential: A good dividend-paying share may return around 4% after-tax, which means if you have $100,000 in dividend-generating shares, it’s about $80/week on average. Dividends are paid annually or every six months into your bank account.  

How to get started: Reliable New Zealand companies that routinely make profits and pay dividends include Spark, Contact Energy, Meridian Energy, Chorus, Infratil, Mercury, Ryman Healthcare, Genesis Energy and Goodman Property Trust, among others. To learn about New Zealand dividend shares, analyse what the Smartshares NZ Dividend ETF or Kernel Dividend Aristocrats fund invests in.

Risk: The primary risk is that the share price falls in the long-term. For example, the Warehouse Group was a reliable dividend payer throughout the 2000s, but its share price has since fallen from around $4 to $2.20, meaning investors would lose 40% of their investment had they sold at the bottom. While current dividend-generating shares specialise in more robust industries such as telecommunications and electricity generation and retail, nothing is certain.   

Cost to get started: Thanks to platforms like Sharesies and InvestNow, investing in dividend-producing shares or ETFs is next-to-free. However, to earn a passive income of any significance, $5,000 or $10,000 is a good starting point for growing your investment.

Read more: Our guide to dividend investing expands on this important wealth creator.


Our Friends Booster Offer Booster Savvy, Where Passive Income Meets Everyday Spending

  • ​Looking for a low-effort way to grow your money? Booster Savvy redefines passive income with a 3.75% p.a. return (net of fees, reviewed monthly) on your everyday account—credited monthly, no active investing required.
  • Unlike bank accounts that routinely pay zero or very low interest rates, Savvy invests your funds in the Booster Savvy Fund, blending high returns with debit card convenience.
  • Better still, Booster Savvy lets you track all of your expenses, helps you isolate costs and see where your money goes, a proven way to save more alongside any passive income investments and activities you undertake.  
  • Booster Savvy shines with its ability to earn interest daily, access funds instantly via Mastercard debit card, and use analytics to cut wasteful spending - making your money work harder without lifting a finger. It's a popular complement to maximising passive income. And, as a PIE, it's capped at 28% tax, maximising your gains.
  • Know More: Dive into our full Savvy Review or visit their website to see how it works well to maximise your passive income efforts (and save you money by allowing you to review your expenses easily).​
Visit Savvy
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Passive Income Ideas NZ
Passive Income Ideas New Zealand

Peer to Peer lending

Peer to peer lending offers a higher interest rate alternative to leaving money in term deposits and savings accounts, but it’s not without its risks. In a nutshell, you use a peer-to-peer lending platform to lend out your money to borrowers. This will usually be from three to five-year terms, on secured or unsecured terms. 

Passive income potential: Around 5% to 8% p.a. (before tax, less any bad debts). If you are prepared to lend $100,000 to borrowers (and re-lend the capital you’re repaid to other borrowers), you could earn around $100 after tax. 

How to get started: Our guide to peer-to-peer lending explains what you need to know in detail and describes the pros and cons of Squirrel, the most active platform in New Zealand.

Risk: The primary risk is that borrower defaults on a loan you’re owed. While the platforms spread the risk among lenders (so a default won’t disproportionately affect one lender), your capital and income can always decrease. Fortunately, peer to peer platforms carefully screen the applicants to ensure only the highest-quality borrowers are funded.

Cost to get started: The platforms are free to join, and fees to administer the loans are deducted from the net proceeds. Your repayments will include the capital you originally lent, so it’s not so straightforward to see the passive income. However, you can always withdraw funds at any time.
Passive Income Ideas New Zealand

Invest in a high-yield term deposit or savings account

Passive income potential: Savings accounts and term deposits provide risk diversification and are, arguably, the ultimate passive income. A $10,000 cash deposit, however, will only pay around $5/week in passive income (after tax). 

How to get started: Our guide to the best term deposits, PIE term deposits, call accounts and savings accounts outline the top offers from trusted financial institutions. 

Risk: There’s (almost) no risk if you deposit money with a New Zealand bank. While the future can’t be predicted, to date, no New Zealand bank has gone bankrupt and lost depositors their money. However, the same cannot be said for finance companies and alternative lenders, which often offer ‘secured debentures’ or ‘first-rate deposits’ but don’t have the financial strength of a bank. In 2009, New Zealanders lost billions in finance company failures – the best way to protect a passive income stream is to choose low-risk cash-generating investments.  

Cost to get started: Most term deposits require around a $500 or $1,000 minimum deposit, but savings accounts do not. You’ll need about $500,000 in cash to earn around $150-$250/week in passive income from term deposits (after tax).
Passive Income Ideas New Zealand

Income-producing Managed Funds that Pay Out in Cash

Many managed funds accumulate dividends and buy more units, but others give you the option of either having distributions paid as cash into your bank account or reinvested. By taking the bank account option, managed funds can provide both capital growth and passive income opportunities. This extensive list of funds outlines what funds offer passive income, and how frequently you’ll receive it.

Passive income potential: Every fund is different, but 2% to 4% of your original investment is a reasonable range for passive income generation. 

How to get started: InvestNow has New Zealand’s most extensive range of managed funds which offer cash distributions, so it makes a good starting point. With the minimum investment fixed at $250, InvestNow avoids the larger thresholds set by the funds if you went directly. The Booster Private Land and Property Fund is another example of an income-producing fund that pays out returns in cash.

Our guide to managed funds lists popular options.

Risk: As with anything underpinned by the performance of the sharemarket, your original investment can fall if the share price drops. 

Cost to get started: As little as $250, although to enjoy any decent amount of passive income, $50,000 is a popular starting point. However, regularly investing small amounts is better than nothing, and every dollar invested will, in the long-term, enhance your financial freedom.
Passive Income Ideas NZ
Passive Income Ideas New Zealand

Rent out a room in your house

Despite record-high housing costs, many New Zealanders don’t want to compromise on their lifestyle by opening up their home to strangers. However, renting out a spare room (or two, or three) is tax-free and can seriously boost your finances. If you’re prepared to share the fridge, TV remote and bathroom, there’s a lot of upsides. 

Passive income potential: $100+ per room per week. While your power bills will incrementally increase, there are minimal costs otherwise.

How to get started: Think about whether or not you’re willing to share your home. If you think you can do it, listing on Trade Me Property is an excellent place to start. If you prefer to offer a room on your terms, renting a room using Airbnb for one-off stays may be more suitable.

Risk: There is a risk of non-payment and damage, but your bond or Airbnb’s insurance will usually cover this. The Tenancy Services New Zealand guide has more details.

Cost to get started:
Very little – a deep clean of your home, listing fees (for Trade Me) and a minor increase in your power bill.
Passive Income Ideas New Zealand

Start a Business

It’s risky; you have to be dedicated and willing to work hard, but starting your own business has the potential to provide a long-term passive income if you can outsource its operation while retaining ownership. Businesses, where this is most likely to succeed, include professional services, consumer products and website design services.

Passive income potential: It’s impossible to estimate, but a stable business can generate over $10,000 a month in dividends or drawings for a silent (or inactive) shareholder if managed correctly. 

How to get started: Look for a real problem to solve – this almost always is the safest way to start a business. Many ‘problems’ aren’t significant, so building a business around a solution will be like laying bricks on sand. Our guide to starting a business has more details. 

Risk: Significant. Most new businesses fail, and if you leave a safe job to start your venture, you’re sacrificing a stable income. If you take on debt to launch, there’s added risk. 

Cost to get started: You can set up a business for as little as $50. While this won’t get you a restaurant, café or business with a fixed location, you can do a lot with very little. 

MoneyHub founder Christopher Walsh explains his experience:
“I set up MoneyHub with the total investment of around $500. This was a domain name ($40), a year of hosting ($120), a logo ($300) and a month’s subscription for a business email address ($10). I also printed some business cards for about $40. The business grew from my time investment, which was significant".

​"Revenue came quite late to the business because my focus was user growth, but I’m confident anyone motivated with the right product or service could quickly turn a $500 investment into a sustainable business. Once there’s enough traction, you can hire people and train them to take over the day to day operations. The passive income streams once you’re comfortable with trusting others to run the business”. 
Passive Income Ideas New Zealand

Advertise on your car

This is for anyone willing to earn passive income at the expense of their car’s appearance. In 2014 an agency offering to place adverts on cars launched in New Zealand and it appears to still be active.
​
Passive income potential: Up to $1,000 a month, but realistically it will be about $200. For some motorists, this will pay petrol and insurance costs, which can be enticing. 

How to get started: Google services offering advert placements and see if you qualify; this company is one example.

Risk: No risk; the concept is passive income in its purest form.

Cost to get started: None
Passive Income Ideas NZ
Passive Income Ideas New Zealand

Start a website

New Zealand has a small population, so the chances of making a significant passive income from running a website is low. Despite that, if you build enough of a following, then there is money to be made. ‘Influencing’ in any form is as far from passive income as you can get, so don’t the two confused. Starting a website is a long-term commitment, and there are no shortcuts.

Passive income potential: As a general rule, you’ll need to attract around 1,000 people a day to make approximately $10 if your model is advertising.

How to get started: Website builders are the best place to start - Squarespace and Weebly keep costs down and allow you to build a website very quickly.

Risk: If the website doesn’t gain traffic, then it will be hard to generate any passive income. 

​Cost to get started: $50 for a domain name and a couple of months of website hosting is all you need to create a website.
Passive Income Ideas New Zealand

KiwiSaver

KiwiSaver’s passive income potential is often unknown, but its benefits are significant. Firstly, the government will contribute around $500 a year into your fund if you’re an active contributor. Secondly, your employer is legally obliged to contribute 3% of your gross income. The only downside is that all of this passive income can’t be used until you either buy a home or retire.

Passive income potential: If you earn $50,000 a year, your employer and government contributions add up to $2,000+ a year. Over thirty years, that adds up to over $30,000 (and this is before the growth of the fund).   

How to get started: If you’re not a KiwiSaver member, or you’ve currently suspended your payments, you may want to revisit your situation. Our guide to our favourite KiwiSaver funds has some helpful ideas about what to invest in.

Risk: The fund you invest in may drop in value, but, in the long-run, KiwiSaver funds are designed to increase in value. Best of all, the only cost to being in KiwiSaver is the 3% contribution you make from your gross income. 

Cost to get started: Nothing – some funds charge an annual membership fee, but this will seldom be more than $30. You’ll pay yearly fund fee, usually a percentage of your investment balance.

Passive Income Ideas New Zealand

Bonus Tip: Make sure your credit cards and everyday expenses are optimised

Beyond our passive income ideas, there are plenty of ways to save money which can help you have more cash flow on a weekly basis. Our top three ideas are listed below:
  1. Cashback and rewards on credit cards: Many people have the wrong credit card, either by paying too much in card fees and interest, or not receiving the right rewards. Our guide to cashback cards explains how some cards return around 70 cents for every $100 spent. Better than that, Air New Zealand-linked credit cards offer 1 to 1.80 Airpoints Dollars per $100 spent, which can be as useful as cash if you fly often. 
  2. Save money on everyday household bills: The best way to have more money to invest in passive income-generating assets is to cut down on daily expenses. This involves comparing insurance and switching, cancelling unused subscriptions and cutting down on wastage. Our dedicated guide has 20+ ideas that are easy to action.
  3. ​Rent out a holiday home: COVID-19 allowed New Zealanders to discover what’s around the country. If you have a holiday home, you can rent it out effortlessly on websites like Airbnb. 

Passive Income Ideas New Zealand

Passive Income Frequently Asked Questions

​How many streams of passive income should you have?

There’s no optimal number, but the more you have, the more robust your passive income will be for the long term. This diversifies your risk and lets you sell or dispose of assets (i.e. spending a term deposit or selling a rental property) without a significant hit to your total passive income. 

​How much passive income can someone earn in New Zealand?

There is no limit, but everything takes time and commitment. There is no short cut to passive income; you have to build the foundations firmly and look at the long-term. Some people can make a living from a single stream of passive income, but this is rare. In most cases, those relying on passive income have multiple streams.

​Earning $1,000 a week is a great goal to have, but you’ll need to own an investment property mortgage-free, have dividend-earning shares and/or managed funds, as well as cash in the bank earning interest. For most people, passive income will be a few hundred dollars a week at best.

​How do you create passive income with no money?

Passive income generation traditionally relies on having money to invest or allocate from day one. If you don’t, the best way to work towards passive income is to start a business with a long-term goal of outsourcing the management. 

How is passive income taxed?

It depends on the income; dividend income is taxed at source; rental income needs to be declared while payment from boarders is generally tax-free. Every source has a different treatment; this guide from the IRD explains more. 

​Is rental income passive income?

Yes – we are of the view that rental income is passive income, especially when a property becomes mortgage-free. This is because your asset, the property, generates income without you having to actively work. If you have a property manager looking after your investment (choosing tenants, collecting rent and organising repairs and maintenance), the money generated is passive income.

Our Friends Booster Offer Booster Savvy, Where Passive Income Meets Everyday Spending

  • ​Looking for a low-effort way to grow your money? Booster Savvy redefines passive income with a 3.75% p.a. return (net of fees, reviewed monthly) on your everyday account—credited monthly, no active investing required.
  • Unlike bank accounts that routinely pay zero or very low interest rates, Savvy invests your funds in the Booster Savvy Fund, blending high returns with debit card convenience.
  • Better still, Booster Savvy lets you track all of your expenses, helps you isolate costs and see where your money goes, a proven way to save more alongside any passive income investments and activities you undertake.  
  • Booster Savvy shines with its ability to earn interest daily, access funds instantly via Mastercard debit card, and use analytics to cut wasteful spending - making your money work harder without lifting a finger. It's a popular complement to maximising passive income. And, as a PIE, it's capped at 28% tax, maximising your gains.
  • Know More: Dive into our full Savvy Review or visit their website to see how it works well to maximise your passive income efforts (and save you money by allowing you to review your expenses easily).​
Visit Savvy
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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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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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • Bridging Finance
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      • NZCB Review
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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    • Business Insurance
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • Hardship Assistance - Urgent Costs and Living Expense Assistance
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    • Working for Families Guide
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    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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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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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • ACC vs Travel Insurance
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Starlink Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
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