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
        • Best Investment Apps
        • 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
        • 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
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular 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 Popular 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
        • Australian Investment Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
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          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
        • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
        • Car Loan Refinance Calculator
        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
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        • Home Renovation Loans
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • 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 Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Compare Auckland House Insurance Policies & Costs
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • Travel Insurance
      • Compare Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • Travel Insurance by Destination
        • Australia and the Pacifc
          • Australia Travel Insurance
          • Fiji Travel Insurance
          • Rarotonga Travel Insurance
        • Asia
          • Bali Travel Insurance
          • China Travel Insurance
          • India Travel Insurance
          • Japan Travel Insurance
          • Malaysia Travel Insurance
          • Singapore Travel Insurance
          • South Korea Travel Insurance
          • Thailand Travel Insurance
          • Vietnam Travel Insurance
        • Americas & Africa
          • Canada Travel Insurance
          • Peru Travel Insurance
          • South Africa Travel Insurance
          • USA Travel Insurance
        • Europe
          • France Travel Insurance
          • Greece Travel Insurance
          • Italy Travel Insurance
          • UK Travel Insurance
      • Specific Risk Cover
        • Do I Need Travel Insurance?
        • Pregnancy Travel Insurance
      • Travel Insurer Reviews
        • Southern Cross Travel Insurance Review
        • AMI Travel Insurance Review
        • State Travel Insurance Review
      • Essential Information
        • Basic vs Comprehensive Travel Insurance
        • Health Insurance vs Travel Insurance
        • ACC vs Travel Insurance
        • Australia NZ Reciprocal Health Care Agreement
        • Travel Insurance Excess Explained
        • Claiming on Travel Insurance
        • How to Renew a New Zealand Passport
        • What is TAANZ?
        • Travel Packing List
        • Travel Insurers Directory
        • Travel Insurance Glossary
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • 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
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • 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 & 2026
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • 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
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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 Loans & Tools
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Invoice Finance
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
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    • Pet Insurance
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      • Cat and Dog Desexing
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    • Business Insurance
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    • Find a Broker
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  • Credit Cards
    • Best Credit Cards
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    • 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
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    • Balance Transfer Credit Cards
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    • Reviews
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        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
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        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
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        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • USA Travel Money
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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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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      • Top 10 Areas for First Home Buyers 2025
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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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      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
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      • 20 Property Investment Risks You Can't Ignore
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    • Building a House
      • NZCB Review
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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      • What's My PIR?
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      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • Business Essentials
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    • Online Services
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
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      • Best Ways to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
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      • 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
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • NOW Broadband Review
      • One NZ Broadband Review
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      • Skinny 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
      • Electric Kiwi Review
      • Genesis Energy Review
      • Globug Review
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      • Powershop Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
      • 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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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
      • My Food Bag Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • What To Do If You Do NOT Receive Your Refund
      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
      • Best Baby Clothes
      • Buy Books Online
      • Black Friday New Zealand Deals
      • Mother's Day Ideas and Gifts
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      • New Zealand Fashion Designers
    • Living Essentials
      • FInding a Rental in Auckland
      • Gym Memberships Guide
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    • Senior Living
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      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Medical Alarms
    • Wedding Resources
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    • Home & Kitchen
      • Bathroom Renovations Guide
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      • Best Fridge Freezers
      • Best Mattresses
      • Best Slow Cookers
      • Best Pressure Cookers
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      • Best Ride-On Lawn Mowers
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      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
      • Best VPN Services
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      • Best Wifi Extenders
      • Best Electric Scooters
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
      • Weight Loss Shakes
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  • Trade Services
    • Auckland Trade Services
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      • Car Detailing Auckland ​
      • Catering Auckland
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Private Tutoring Costs - The Definitive New Zealand Guide for Primary and Secondary School Students

Updated 13 July 2025

The steady rise in private tutoring across New Zealand springs from a simple tension: class sizes and curriculum demands keep growing while in-school support staff and one-to-one teacher time are stretched ever thinner. 
Parents increasingly notice that even the most committed classroom teachers can’t simultaneously reteach fractions to one child, push another toward NCEA Excellence, and calm the inevitable mid-afternoon melt-down in a room of thirty-plus. 

​What is private tutoring? Why do Kiwis need private school tutors? Isn’t public school teaching good enough?
Private tutoring is any additional lessons or sessions above the baseline standard school curriculum taught in schools. For example, additional after-school sessions, one-on-one tutoring or working on online modules to prepare for upcoming exams are all examples of private tutoring. 
While publicly funded New Zealand schooling has been a fine baseline for many decades, it's become increasingly more difficult for the state to keep up with the rising population, increasing competitiveness in further education and widespread disruption with new technologies changing the education landscape.
Add three lost years of pandemic disruption in 2020/2021/2022 - the result is a historic learning gap that schools struggle to close. This vacuum has created a strong response from the private sector (particularly after-school tuition), from franchised “learning centres” to boutique one-to-one agencies, peer-tutoring start-ups, and purely online self-study platforms. Each promises better grades, greater confidence, or accelerated advancement, yet they differ wildly in quality, price, and how sessions are delivered. 


Why do I want to pay for private tutors? Who should undertake private tutoring?
Private tutoring isn’t for everyone – but it can help your child massively in certain situations: 
  1. Support your child if they're underperforming the class average and want to improve at a certain topic.
  2. Support if they have a cognitive disability or have trouble focusing in the classroom.
  3. Provide support if they are anxious about their grades or academic work.
  4. To enable high-performing students to become even better (particularly if they have large ambitions to go for scholarships or study abroad at Australian or American universities with very high entry barriers). 

What are the main factors I need to consider when looking for a private tutor?
  1. Teacher-to-student ratio. 
  2. Cost.
  3. Content/Curriculum (standard vs additional/new).
  4. The expertise of the tutors. 
  5. Private vs public.
  6. Workload requirement (e.g. how much homework).
  7. Factors like how many children are taught together (i.e. small group vs one-on-one), Private tutors vs groups like Kip McGrath.

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What are the different types of tutoring models? 
Before looking at individual brands, it helps to classify the dominant delivery models.
  1. One-on-one private tutoring.
This is the traditional gold standard: a tutor sits beside your child (in-person or online via Zoom) and tailors each minute to the learner’s questions, pace, and preferred examples. It’s highly responsive and instantly switches from clarifying today's algebra worksheet to prepping next term's novel study. However, that exclusivity carries a premium price. Independent tutors can charge anywhere from $80 - $120 an hour for senior-secondary science and calculus, although Year 4-6 literacy support can be closer to $50 – $60 due to less complex curriculums. Parents can either work through an intermediary (e.g. MyTuition or Crimson) to get assigned a tutor that has already been vetted or vet the tutors themselves (e.g. validate the tutor’s grade in the course they took, curriculum knowledge, teaching style, consistency, etc.). 
  1. Micro-group tutoring (Usually up to a 5:1 ratio of student to teacher).
Micro-group tutoring aims to balance cost and attention: more students keep fees down, the sessions can feel less intense given multiple voices in the room, and a wider variety of questions can lead to better student learning outcomes. 
While potentially more effective, cheaper and less stressful (on the student) than one-on-one tutoring, micro-group tutoring can be less engaging for students, given they can just "take a backseat" and let other students ask questions/respond (slightly defeating the purpose of additional tutoring sessions). 
Additionally, there are more significant risks that the tutor has to juggle, given the multiple personalities in the room, so individual attention or “hover time” per child drops. Companies such as Kip McGrath and NumberWorks'nWords typically run a 4 or 5 1-ratio of students to teachers. 
  1. Franchised learning centres.
These organisations are typically much larger after-school classrooms and run more rigorous programmes for specific courses (e.g. NCEA level 1 English) using computers, proprietary software, and trained supervisors rather than a “personal tutor” sitting beside every student. 
Children rotate through diagnostic tasks and receive short feedback - progress is tracked centrally, and parents get printed reports. Kumon is a very close example of this - families attend 15-minute sessions twice weekly and complete daily worksheets at home. 
Because these centres are largely mass market aimed at many students, the cost can be a flat monthly fee rather than a per-hour charge and is usually much more effective. 
Deciding which model fits depends on the academic gap you’re trying to close, your child’s temperament (self-paced vs needing constant encouragement), and how much independence you (as a parent) want in the learning process.

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​What are the main large-scale (group) tutoring companies?
  1. Kumon: drill-and-skill mastery at a flat monthly price.
Kumon is the longest-running franchise in New Zealand, with more than fifty centres across New Zealand. Its methodology is famously consistent worldwide: a free diagnostic test places your child several "levels" below, at, or above their year-group (e.g. they benchmark your child against the cohort), and they then complete daily worksheets that increase in micro-increments of difficulty. Parents mark the sheets at home and record times. Students visit the centre once or twice a week for 15-20 minutes, where assistants spot-check techniques and hand out the next stack of booklets. 
Because the focus is on independent repetition, a single instructor can oversee many learners simultaneously, keeping fees predictable. Costs usually sit around $160 per month per subject (c. $40 a week) and cover unlimited worksheets and centre visits, but note you pay per subject. Often, many Kiwis will choose to do multiple subjects that the student wants to get better at (e.g. maths + English). 
Kumon is ideal for students who need foundational fluency as it offers automatic times-tables recall, fast arithmetic, spelling patterns for children who respond well to routine or similar repetitive tasks. It’s less effective for open-ended essay writing or conceptual chemistry (or for students who struggle to concentrate on repetitive tasks). 
One of Kumon's top criticisms is that the high volume of worksheets can feel monotonous and that progress isn’t explicitly tied to the NCEA/NZ Curriculum Achievement Objectives. Still, many teachers report a visible lift in speed and confidence once students master the earlier levels. While Kumon is great for younger students, another criticism is that Kumon is less suited for more advanced courses (e.g. when students enter secondary school onwards) compared to other tutoring companies.
For parents comparing prices, remember the monthly fee hides the true per-hour cost: a conscientious child spending 25 minutes a day on worksheets plus two 15-minute centre visits clocks roughly three hours of practice a week, bringing the real hourly cost down to around $12. 
However, families who struggle to supervise homework may find the at-home component becomes a battle, so factor in your time commitment and the dollar outlay. 
Sources:
  • Monthly Fee – Maths and English Learning Programme
  • Trial Kumon Mathematics or English as a second subject for free 

  1. Kip McGrath: traditional tutoring structure with diagnostic software and small groups.
Founded by a former school principal, Kip McGrath, it operates more than sixty centres across New Zealand. Every child begins with a free 40-minute assessment covering reading, comprehension, writing, and/or maths. Results generate an individual learning plan that blends computer-based exercises with printed workbook tasks. 
In contrast to Kumon, Kip Mcgrath is more focused and has a higher touch - centres keep a strict 1-teacher-to-5-students cap; each 60-minute session alternates five-minute tutor explanations with independent practice chunks. Because students rotate in sync, the hour feels structured yet personal. The franchisor sets a rough price of $70 per session, although individual centres can adjust slightly. Fees are usually paid weekly; most families commit to one or two subjects (English or maths) once a week for a full term. 
Parents who value teacher qualifications appreciate that the lead tutor in each centre is a registered educator, and every session yields an emailed progress graph that maps tasks completed versus curriculum objectives. 
Compared with Kumon, Kip McGrath’s programme is more directly aligned to NCEA/New Zealand curriculum levels and assessments; writing tasks can include paragraph structuring and NCEA internal practice. However, the group setting means a shy child may hesitate to ask for clarification, and the cost , $70 per hour (versus Kumon's $160 per month LINK) can climb quickly if you add multiple subjects or sessions.
Kip McGrath’s strength lies in structured catch-up or extension where a little explanation goes a long way; it’s not designed for last-minute homework rescue at 8 pm the night before an assignment is due. 
Sources: Pricing - Kip McGrath Education Centres.

  1. NumberWorks’nWords: lively 1:4 micro-groups and confidence-building ethos.
NumberWorks'nWords brands itself as the fun, confidence-boosting middle ground between solo tutoring and large-scale e-learning. Originating in Christchurch in 1984, the chain spans over 70 centres across NZ, Australia, and the UK. 
Classes are strictly limited to four students per tutor, all working on bespoke programs that interleave computer-driven drills, hands-on manipulatives, and rapid-fire white-board explanations. The company does not publish national fees online, but case-study media coverage places the typical cost at c. $50 per one-hour lesson, with families billed by the school term. That rate reflects the lower tutor-to-student ratio compared with Kip McGrath, and centres emphasise a carnival atmosphere of sticker charts, certificates, and prize drawers to keep children motivated. 
NumberWorks’nWords trains senior high-school and university students as tutors, arguing that near-peer mentors are more relatable than adult teachers; a qualified centre manager oversees curriculum fidelity. 
Sessions are fully curriculum-aligned - Level 1 numeracy for a Year 3 child, essay structuring for Year 10, or algebraic proof for NCEA Level 2. Parents receive colour-coded progress graphs and mid-term phone calls. Because each student plugs headphones into a bespoke software bank, even four learners can be working on different strands simultaneously; the tutor floats, delivering targeted two-minute explanations “just in time.” 
Families weighing costs should note that an 11-week term of two subjects (one hour of English + one hour of maths weekly) approaches $1,100, a significant investment. However, many report the anti-boredom vibe keeps kids attending happily long after the initial academic crisis passes. N
umberWorks'nWords especially suit learners who crave social energy and gamified goals rather than silent one-to-one sessions. Parents of children with auditory-processing difficulties or anxiety may prefer a quieter environment. Inspect trial classes carefully: quality can vary between franchisees based on how rigorously they apply the 1:4 rule and tutor-training protocols. 
Source: Would private tutoring help your child - NZ Herald
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One-on-one tutoring options.
Since 2010, a new wave of university–student-led agencies have disrupted the tutoring market by matching high-achieving tutors with school students for home-based or online sessions. Many of these leverage technology or marketplaces to match high-performing students who otherwise would not have been tutored by students in need. Often, for Year 11-13 students facing high-stakes external exams, these more focused and flexible tutoring companies can provide additional niche support that more developed tutoring companies cannot. 
The hour-for-hour intensity of one-to-one can outstrip group-centre gains, provided your teenager is happy to engage actively rather than hide behind classmates. Parents should insist on a clear learning plan, termly goal-setting, and written progress notes to ensure each $80 translates into measurable improvement rather than a pleasant chat.
  1. MyTuition.
MyTuition began in Auckland and now covers most major centres. Its fee structure is transparent: $75 per one-hour one-to-one lesson, dropping by $10 from the second consecutive hour, or $44 per student for paired lessons. 
A small travel surcharge applies if a tutor must cross suburbs without good public transport. The agency provides lesson-planning templates, police vetting, and continuous professional development, and parents receive lesson summaries via email. 
Source: Pricing - Private Tutoring Rates - MyTuition
  1. Inspiration Education.
Inspiration Education positions itself slightly higher-end with a research-backed “metacognition” framework. Packages start at $82 per 55-minute lesson for a five-lesson block, dropping to $79 per lesson in a 20-lesson “Complete” bundle. Sessions are either in-home or in public libraries, and tutors undergo 25 hours of annual training, unusually rigorous for student tutors. Both agencies claim NCEA Excellence endorsement rates double the national average, but the caveat is self-selection bias: families ready to invest $1,600+ across a year are already highly motivated. 
The boutique model's main selling points are flexibility (select any NCEA, Cambridge, or IB subject), tutor continuity, and the chance to pivot the lesson to next week's internal or scholarship preparation. Because overheads are lower than brick-and-mortar centres, nearly every dollar you pay lands in actual tutor time rather than rent, but this also means reliability rests on individual contractors, illness cancellations can require short-notice reshuffles. 

Source:
Packages & Pricing - Inspiration Education
  1. Independent private tutors.
Beyond the branded agencies lie thousands of independent tutors advertising on Facebook groups, university noticeboards, and sites like First Tutors NZ. Hourly rates swing from $40 for a first-year BSc student helping with Year 9 maths to $120 for an experienced ex-teacher specialising in Scholarship Chemistry. 
There is generally a high demand for specialist subjects (particularly international curriculum subjects for things like Cambridge or IB) and a limited supply of subject specialists (due to fewer students who did these exams, excelled, and were available to tutor these subjects). 
Because independent tutors keep 100 % of the fee, they can offer more generous time allocations (e.g., 90-minute sessions) or include free email Q&A between lessons. They also decide their pedagogy: some set weekly homework, others operate as on-call homework lifelines, and a few integrate spaced-repetition software and mock exams. The upside is bespoke support; the downside is no overarching quality control. 
When comparing the cost to a franchise, remember that a $100 two-hour session equates to $50 an hour, similar to micro-group pricing but with total personal attention. However, solo tutors cannot easily provide in-house diagnostic tests or generate fancy progress dashboards, so parents must monitor results via school reports and practice papers. Where an independent tutor truly excels is in niche subjects (e.g., Calculus Scholarship, IB Spanish B HL) or unusual timetabling, Sunday morning lessons for rowers or compressed holiday boot camps before externals that mainstream centres simply do not offer.

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Alternative Tutoring Options NZ

Alternative Tutoring Options

Holistic Extracurricular Tutoring NZ

Holistic Extracurricular Tutoring

Example: Crimson Education

Our View: ​Unlike most mass-market tutoring companies, Crimson Education occupies the ultra-premium end of New Zealand's tutoring spectrum. Their services wrap school-subject support, standardised test preparation, extracurricular mentoring and full overseas university admissions strategy into a single, highly bespoke service. 

Everything is delivered online through a dashboard that lets parents track progress while their child meets a strategy lead and a rotation of specialist tutors from a bench of more than 2,400 mentors worldwide. 


Packages are expensive. They start at roughly $30,000 and can climb well past $100,000 over multiple years, reflecting both the depth of coaching and the multi-year scope; despite that price tag, Crimson is explicit that it does not guarantee admission offers. 


Despite the super high price tag, there has been anecdotal evidence that students get high-quality tutoring and holistic coaching, particularly in the context of Ivy League university applications.
Self-Study

Self-Study

Example: For families on a tight budget, or for students who prefer self-paced learning, an expanding universe of online resources bridges many gaps. Whether finding supplementary NCEA course tests/resources online that you can print out at home and work with your child on or asking the teacher for additional resources – tutoring doesn't have to go through a typical company. There are other alternatives. 

Comparing typical costs across each provider: What various tutoring paths cost over a school year
Let’s translate fees into annual totals so you can weigh them against your household budget. Assume 40 teaching weeks a year (four 10-week terms) and that your child attends weekly sessions:
  • Kumon (one subject): $160 × 12 months = $1,920. Two subjects double to $3,840.
  • Kip McGrath (one 60-min session): $70 × 40 = $2,800; add English + maths, and the bill jumps to $5,600.
  • NumberWorks’nWords (one subject, 1 hr): $52 × 40 = $2,080. Two subjects = $4,160.
  • MyTuition one-to-one: $75 × 40 = $3,000 (or $5,700 for two hours a week).
  • Inspiration Education “Scholar” 10-lesson blocks: Four blocks a year = $810 × 4 = $3,240.
  • Independent tutor at $100 for a 90-minute fortnightly session: 20 sessions = $2,000; hourly equivalent is lower because each session is longer.
  • LearnCoach Pro: $11 × 52 = $572 (or $104 upfront via discount).

Disclosure: These costs above are estimates only and are purely illustrative to show differences in cost structures between different tutoring methodologies. Also, the above has no potential subsidies: some iwi trusts, community grants, and Pacific education funds reimburse part of tutoring expenditures if the provider supplies progress reports. Speak to your school's dean or representative; they often know of grants or programmes that can stretch your tutoring dollar further.

​We can identify a few facts from the above numbers:
  1. Tutoring is rarely a one-off cost - sustained impact, which usually requires a whole-term commitment and is not a “one and done” type of situation.
  2. Software-based low-human-effort options (like LearnCoach) are far cheaper than one-on-one sessions. The more advanced classes (e.g. Kip McGrath over Kumon) are generally more expensive. 
  3. The real value lies not in dollars per hour but in progress per hour: a focused one-to-one lesson might compress three hours of centre-based worksheet time, while a motivated learner using free online videos could surpass both for the cost of a broadband plan. 
  4. None of these costs factor in any hidden costs associated with tutoring (e.g. petrol to drive to a centre, parking, time off work, or dinner bought on the way home.) Also consider opportunity cost - money spent on tutoring may limit funds for extracurriculars, class trips, sports fees or family holidays, so try to weigh up what other options the additional dollar of tutoring brings to your student’s holistic school experience. ​
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Online Software-based education platforms

Example: LearnCoach 

Our View: LearnCoach offers more than 2,500 NCEA video tutorials plus AI-driven quiz support; the paid “Pro” version costs around $11 a week on a full-year plan (about $570 annually).

Content covers 80 English, maths, and the sciences standards, perfectly aligned to NZQA exemplars. StudyTime, Khan Academy and countless YouTube channels supplement these videos with free flashcards and walkthroughs.

Some schools increasingly run lunchtime "Homework Clubs" supervised by teachers, and libraries in Wellington and Christchurch offer free drop-in study sessions for teens. 


The advantage is obvious: Zero or very low cost, on-demand access, and the ability to rewind explanations as many times as needed. The trade-off is accountability - without a live human, procrastination can creep in, and misunderstandings may linger uncorrected. Parents can help with success by scheduling regular “study sprints,” printing NCEA past papers, and reviewing marked answers together. 

For primary-aged children, curriculum workbooks such as ESA Publications cost under $20 a term; paired with the NZ Maths "Figure It Out" PDFs freely available online, you can replicate much of a tutoring programme for the cost of printer ink. Some families adopt a hybrid strategy - a fortnightly private lesson for feedback and motivation, with interim days spent on LearnCoach videos and school-issued homework. Remember that self-study effectiveness hinges on the learner's maturity -Year 13 students should be able to drive their revision. In contrast, a Year 4 child will likely need an adult sitting beside them for 20 minutes.

Further resources: Resources for NCEA Students

Our Checklist for Choosing the Right Tutoring Support for Your Child NZ

Our Checklist for Choosing the Right Tutoring Support for Your Child

Before hiring any tutor, make sure you understand why you're doing so and what you want to achieve. Our checklist helps you do just that:
  1. Clarify the goal. Is the priority foundational fluency (times-tables, phonics), catching up to curriculum level before Year 8, or hitting Merit/Excellence in NCEA externals? Different providers optimise for different outcomes - make sure you understand what you want to achieve.
  2. Test out your child’s learning style. Do they crave social energy or freeze in groups? Are they self-directed enough for daily worksheets without nagging? You can see what works for them in a trial session before you commit further.
  3. Demand data from your tutoring companies. Whether it's a Kumon progress chart or an email from the tutor you hire, insist on measurable fortnightly feedback tied to the NZ curriculum (e.g. for primary school lessons) or NCEA standards. You're paying for top-quality education, and they should have the data to back it up – don't just take anecdotal evidence from your child's interactions.
  4. Cost-per-result, not cost-per-hour. A $100+ expert who lifts an NCEA grade boundary in six weeks may be better value than $30 worksheet sessions that drift all year. Use the annual cost table above to benchmark and see what is likely to work best.
  5. Check credentials and safety. References and a written code of conduct (if you're using an agency) are essential - while most tutoring platforms do proper tutor checks, checking never hurts. For online lessons, ensure the platform records sessions for transparency so your child can re-attend their tutorial on demand.
  6. Review the cancellation policy. Life happens - sports tournaments, illness, family trips. Know whether missed sessions roll over, are refunded, or simply expire.
  7. Start with a defined trial. Four to six weeks is enough to see behavioural change: improved homework completion, fewer tears, and renewed classroom participation. If you see no shift, pivot early.
  8. Integrate school feedback. Email your child’s teacher once a term for insight. Tutoring that ignores classroom schemes risks creating parallel (but unaligned) learning tracks.
  9. Maintain balance. Mental health matters; overscheduling can backfire. Ensure at least two tutor-free afternoons a week and build in play, sport, and rest.
  10. Plan an exit strategy. Tutoring is a scaffold, not a crutch. Set a target, for example reading age within six months of chronological age or merit in mock externals, and taper sessions once achieved so independence thrives.
Must-Know Facts about Private Tutors NZ

Must-Know Facts about Private Tutors

Before taking on any tutor, keep these facts in mind:

1. ​Don't automatically default to tutoring to quickly deal with the "problem"

Sometimes, tutoring isn't the right option, and your child just needs your support. Easy wins like ensuring your child is paying attention in class and doing their homework after school can save thousands in tutoring costs. Ensure your child is doing the homework before you pay someone else to help your child do theirs.

2. Tutoring is expensive but invaluable if done right
Tutoring is a big financial commitment, but it can transform their assessment results and lifelong attitudes to learning if chosen wisely and monitored closely. 

3. Tutoring is almost essential if your child wants to study at a competitive university overseas
If your child is looking to move overseas for university or further studies, know it is significantly more competitive overseas than in New Zealand. Doing NCEA with merit and hoping to get into Harvard isn't going to work. The acceptance rates at these schools are extremely low, and it's not just about academics either – it's about the life story, mission, extracurricular, excellence in all areas of life and ambition. Many of these things are not solved by the public schooling system alone – and where companies like Crimson Education can add value (although at a serious cost). 

4. A tutor isn't just for students who are underperforming
When used correctly, a private tutor is a diverse tool – and not just for students to get to baseline relative to peers. Tutoring can build competence in weak subjects, but it can also be great for students who want to excel or do better in subjects they enjoy or want to do more seriously as a career path. Knowing why you are getting a tutor is the more important question.

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