MoneyHub NZ
  • Investing & Saving
    • Reviews >
      • Our Favourite Funds
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • Kernel Review
      • Sharesies Kids Accounts Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
    • Guides >
      • Investing Guide
      • Investment Terms Glossary
      • Investing Knowledge >
        • IPO
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • ETFs (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
      • How to Buy and Sell 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
      • How to Invest in Gold
      • Contracts for Difference (CFDs) Guide >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
    • 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
      • BitPrime Review
      • Beginner's Guide to Bitcoin and Blockchain
      • Bitcoin in New Zealand
      • New Zealand Bitcoin Exchanges
      • How to Buy Ethereum in New Zealand
  • 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
    • Refinance Personal Loan Calculator
    • Car Loan Refinance 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
    • Car Finance
    • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
    • Personal Loans
    • Secured Loans
    • Balloon Payments - The Definitive Guide
    • How to Refinance Your Car Loan
    • Car Loans and Collateral
    • Bad Credit Car Loans
    • Car Dealership Finance vs Alternatives
    • Debt Consolidation Loans
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance >
      • Car Insurance - AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Car Insurance Excess Explained
      • Third Party Car Insurance
      • How to Get Cheaper Car Insurance
      • Cheapest Cars to Insure
      • No Claims Bonus Explained
      • Car Insurance Glossary
    • 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 >
      • American Express Credit Cards Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum 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
      • Wise 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
      • Bridging Finance
      • 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
      • Pathfinder 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
    • 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
    • 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 Hamilton
        • Dog Boarding Kennels Tauranga
        • 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 Hamilton
        • Dog Grooming Tauranga
        • 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
      • Pest Control >
        • Auckland Pest Control
        • Hamilton Pest Control
        • Tauranga Pest Control
        • Wellington Pest Control
        • Christchurch Pest Control
      • Lawn Mowing Services >
        • Trusted Lawn Mowing Services in Auckland
        • Trusted Lawn Mowing Services in Hamilton
        • Trusted Lawn Mowing Services in Tauranga
        • Trusted Lawn Mowing Services in Wellington
        • Trusted Lawn Mowing Services in Christchurch
      • Arborists & Tree Assistance >
        • Arborists Auckland
        • Arborists Tauranga
        • Arborists Hamilton
        • Arborists Wellington
        • Arborists Christchurch
      • 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 & Guides >
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator >
        • Internal Rate of Return
      • 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
    • Scholarships 2021
    • Internships
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2022
    • 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
    • Car Valuations
    • 20 Ways to Make Driving Cheaper
    • Top Cars that Hold Their Value
    • 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
    • Probate
  • Employment
    • CV Templates & Tips
    • Cover Letters
    • Common Interview Questions
    • How to Improve Your LinkedIn Profile
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles
    • 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
  • Startups
    • Raising Capital
    • Product Market Fit
  • Search MoneyHub

What's My PIR Tax Rate?

Calculating your PIR is essential to make sure your KiwiSaver and PIE managed funds are taxed correctly - our guide walks you through everything you need to know

PIR tax guide NZ
Updated 17 April 2020
Before we go any further, it's essential to understand two acronyms and how they apply to your taxes:
  1. "PIR"  - PIR stands for 'prescribed investor rate', which is a percentage tax rate that applies to specific investment funds known as 'PIEs'. Your PIR is based on your annual income; the lower your income, the lower your PIR and the less tax you'll pay (and vice versa).
  2. "PIE" - PIE stands for portfolio investment entity. This is a managed fund that enjoys special tax rules. It behaves just like any other managed fund, but the tax you'll pay on the profits are lower for higher income earners.

Know this first: All default KiwiSaver schemes are PIE funds and the scheme provider taxes your investment earnings using the prescribed investor rate (PIR) you choose.

Why do I need a PIR, and what do I do with the PIR?

To ensure you're taxed at the correct rate on your PIE fund(s), you'll need to work out your PIR. You'll need to give your PIR to your PIE fund manager, as well as supply your IRD number. The IRD will then monitor your earnings - if your PIR changes (because your earnings change), they will notify you, and you'll need to inform your PIE fund manager. You're still best to check your PIR every year in case the IRD doesn't communicate a change with you. March is the best time for this, which is the end of the personal tax year.

How do I calculate my total PIR income?

​To calculate your PIR (tax rate), you need to calculate your 'PIR Total Income' (also known as your total taxable income). This a sum of:
  1. Your 'Total Taxable Income': i.e. your salary/wages (before tax) from all jobs, plus other taxable income such as interest, dividends and business income. This excludes PIE fund income, which is accounted for in 'Total PIE Income':
  2. Your 'Total PIE Income'. i.e. the total taxable income generated by your PIE fund(s). At the end of each year, your PIE fund manager(s) will send you a statement of all your PIE income. 

Once you add these two together, you will have your PIR Total Income. The next step is to find out your PIR:

What is my PIR?

The table below details the requirements for each PIR. You need to work out your income for each of the last two years. You can then choose the lower PIR for the current year. For example, if you earned $45,000 in Year 1 and $50,000 in Year 2, your PIR would be 17.50%. However, if you earn $50,000 in Year 3, your PIR will increase to 28% at the start of Year 4. 
Your Annual Taxable Income
​(Total Taxable Income + Total PIE Income)
Most likely PIR
$0 to $14,000
10.50%
$14,001 to $48,000
17.50%
$48,000+
28%
Be aware:
  • If you earned less than $14,000 in any one of the last two financial years, your PIR would be 10.50%
  • If you earned less than $48,000 in any one of the last two financial years, your PIR would be 17.50%
  • If you earned more than $48,000 in each of the last two financial years, your PIR would be 28%
  • If you are an overseas tax resident, your PIR will be 28%.
  • Children, in almost all cases, have a PIR of 10.50% because they are unlikely to earn over $14,000 a year.
PIR tax guide NZ

PIR Frequently Asked Questions

Navigating your way around PIR isn't easy. Our selection of FAQs guides you through the requirements and obligations.

How often do I need to review my PIR?

Every year is sufficient. Ideally, the IRD will detect any change based on your salary and PAYE deductions. However, the best time to review is in March. If it has changed, you'll need to inform your PIE fund manager. By law, they send reminders asking you to review your PIR every year anyway.

If my income changes, when does it affect my PIR?

Your PIR is valid for the following year. For example, if you earned $45,000 in Year 1 and 2, your PIR (17.50%) is valid for Year 3. If, during Year 3, you earned $50,000, your PIR is still 17.50%. This is because your PIR is based on your annual income in whichever of the last two years gives you the lower PIR. However, if you earned $50,000 in Year 4, your PIR would become 28%. 

Does my PIE income affect my tax return?

No. The PIE fund manager will deduct the appropriate tax, either 10.5%, 17.5% or 28% of the taxable investment income. This has no effect on your tax return - i.e. you don't pay double tax on PIE fund income.

What happens if I have the wrong PIR?

You may be liable for extra tax and penalties if your PIR is too low. For example, if you tell your PIE fund manager that your PIR is 17.50% when actually is 28%, you will have less tax deducted than you should have. The IRD can ask you to pay the difference, as well as any penalties. This is why it's important to re-review your PIR annually.

Where do I get a PIR advice form?

Your PIE fund will have these available. If you can't find it on their website, you should contact their customer support team.

How do I change my PIR?

If your PIR has changed, you'll need to notify your fund manager. Additional details you need to supply include your date of birth, customer number and IRD number.

What happens if I don't provide a PIR?

​If you do not notify your PIE fund manager, income earned from a fund will be taxed at the default rate of 28%.

Who do I ask if I need help about my PIR?

If you have any questions, the first point of contact should be your PIE fund manager's client service team. They will assist with any questions you have. If you invest with more than one PIE fund manager, you can choose any one of them to contact.

Related Guides
  • ​PAYE Calculator
  • KiwiSaver Providers

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. Please see our regulatory compliance guide.

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 interpretation of the latest financial advice and services legislation can be found here.
  • ​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 >
      • Our Favourite Funds
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • Kernel Review
      • Sharesies Kids Accounts Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
    • Guides >
      • Investing Guide
      • Investment Terms Glossary
      • Investing Knowledge >
        • IPO
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • ETFs (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
      • How to Buy and Sell 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
      • How to Invest in Gold
      • Contracts for Difference (CFDs) Guide >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
    • 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
      • BitPrime Review
      • Beginner's Guide to Bitcoin and Blockchain
      • Bitcoin in New Zealand
      • New Zealand Bitcoin Exchanges
      • How to Buy Ethereum in New Zealand
  • 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
    • Refinance Personal Loan Calculator
    • Car Loan Refinance 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
    • Car Finance
    • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
    • Personal Loans
    • Secured Loans
    • Balloon Payments - The Definitive Guide
    • How to Refinance Your Car Loan
    • Car Loans and Collateral
    • Bad Credit Car Loans
    • Car Dealership Finance vs Alternatives
    • Debt Consolidation Loans
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance >
      • Car Insurance - AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Car Insurance Excess Explained
      • Third Party Car Insurance
      • How to Get Cheaper Car Insurance
      • Cheapest Cars to Insure
      • No Claims Bonus Explained
      • Car Insurance Glossary
    • 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 >
      • American Express Credit Cards Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum 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
      • Wise 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
      • Bridging Finance
      • 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
      • Pathfinder 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
    • 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
    • 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 Hamilton
        • Dog Boarding Kennels Tauranga
        • 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 Hamilton
        • Dog Grooming Tauranga
        • 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
      • Pest Control >
        • Auckland Pest Control
        • Hamilton Pest Control
        • Tauranga Pest Control
        • Wellington Pest Control
        • Christchurch Pest Control
      • Lawn Mowing Services >
        • Trusted Lawn Mowing Services in Auckland
        • Trusted Lawn Mowing Services in Hamilton
        • Trusted Lawn Mowing Services in Tauranga
        • Trusted Lawn Mowing Services in Wellington
        • Trusted Lawn Mowing Services in Christchurch
      • Arborists & Tree Assistance >
        • Arborists Auckland
        • Arborists Tauranga
        • Arborists Hamilton
        • Arborists Wellington
        • Arborists Christchurch
      • 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 & Guides >
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator >
        • Internal Rate of Return
      • 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
    • Scholarships 2021
    • Internships
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2022
    • 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
    • Car Valuations
    • 20 Ways to Make Driving Cheaper
    • Top Cars that Hold Their Value
    • 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
    • Probate
  • Employment
    • CV Templates & Tips
    • Cover Letters
    • Common Interview Questions
    • How to Improve Your LinkedIn Profile
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles
    • 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
  • Startups
    • Raising Capital
    • Product Market Fit
  • Search MoneyHub