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

Retiring without savings means certain struggle. Superannuation payments are like welfare - they don't pay for any kind of lifestyle. Our guide explains everything you need to know to avoid the all too real 'pensioner poverty' trap.
Retirement Money New Zealand
Updated 19 June 2025
Warning: This guide may cause anxiety. Retiring without sufficient savings is like going out to dinner with a $20 note. You can probably cover yourself, but miscalculate what you spend and you're in a bit of bother. 

Creating a retirement within your means is incredibly important. You'll be able to do all the things you currently do, as well as enjoy things you've always wanted to do. But if you retire without savings, you are unlikely to have a happy time. Superannuation payments are like JobSeeker Support benefits - designed to keep you alive, not in a lifestyle. And retirement can be expensive, especially as you get older. Worst yet, if you usually rely on personal debt such as credit card and personal loans then companies rarely want to lend to unwaged customers.

Why should I read this guide?
We’ve put this guide together for one reason – to give you the information to avoid a miserable retirement. We cover what we consider to be the facts of money in retirement, and how you can make sure you're not caught out by being poor. Best of all, we’ve done our very best to make it as engaging as we can.

Our 
Retirement in a Nutshell guide covers ten money must-knows:
  1. ​​Superannuation income doesn't pay for a lifestyle (it only covers basic living costs)
  2. Paid employment opportunities for anyone over 65 are limited
  3. Retiring without savings is almost-certain misery
  4. KiwiSaver is great, but you're probably saving too little right now
  5. Reverse mortgages (AKA equity release) can be a bad idea
  6. Getting divorced before retirement is financially devastating
  7. Mixing family and money can be problematic
  8. Retirement homes and rest homes are expensive
  9. Some things in retirement are free
  10. You can make money from your home if you're struggling
Know this first:
  1. Every New Zealander 65 years of age and older receives a fixed superannuation payment, which is paid every second Tuesday. The current rates can be found on our dedicated guide. The payments you receive have tax deducted at the standard tax rate.
  2. The money, as generous as it seems, won't go nearly as far as you think. There's also no way to increase the amount.
  3. If you need any more money, you'll either have to apply at Work and Income (see our guides), or sell something, or, if you can, get a job. Otherwise, you'll need savings.
  4. 'Pensioner poverty' is a real thing and those experiencing it are growing as a proportion of retirees. Once you're in it, there's very little you can do to get out of it. 
  5. Don’t expect to solve the problem later. Lots of people in their 50's think they will make "big wins" with ill-conceived property development, an FX trading scheme or speculative business purchase.  It's arguable 95% to 99.9% of them ruin their retirement in the process because they lose the small retirement savings that they previously had. There is a lot of snake oil salespeople out there promising riches - be very careful. Saving responsibly with a trusted KiwiSaver scheme offers much lower risk.

Our view: The BEST situation to be in at 64 is the following:
  1. Own your home (with no mortgage owing)
  2. Have no personal debts (credit cards, long-term finance etc.)
  3. Have at least $100,000 saved (it may sound impossible, but it will make a big difference to your retirement)

Important: Our trusted guide, How Much Do You Need to Retire Comfortably in New Zealand, explains what you need to know.

Know This: A successful retirement means having enough funds to cover both essential and lifestyle expenses.
  • Our guide to Retirement Planning, brought to you by Lifetime Home, explains the key components of a financially stable retirement. Lifetime Home allows retirees to unlock home equity without taking on debt—providing a structured income stream while ensuring long-term financial security.
  • Unlike traditional reverse mortgages, this model offers financial certainty without the risk of compounding interest.
  • Exploring all options is essential to a confident retirement. Read more in our Lifetime Home review or visit their website.
  • ​​Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.​
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Try the Lifetime Home Income Projection Tool
Do you want to see how much regular income your mortgage-free home could give you in retirement?
  • If you're 70 or older and own your home outright, Lifetime Home's calculator estimates how much you could receive every fortnight – on top of NZ Super – for up to 10 years.
  • Just enter your home's estimated value - for example, a $1,000,000 home could give you around $873 per fortnight, tax-free, for 10 years.

With NZ Super included (at 2025-2026 rates), the total comes up to:
  • Single person: $1,949 per fortnight
  • Couple: $2,529 per fortnight

This tool gives an instant projection and doesn't require your details. Try the Lifetime Home Income Projection Calculator
Retirement Money New Zealand

Retirement in a Nutshell - Everything in You Need to Know

Retirement doesn't need to be complicated or scary -it just needs to be planned for. This guide sets out ten basic must-knows for achieving a comfortable retirement. 
​
​If you do have any questions, please email our team - we'd love to hear from you.
MoneyHub

Superannuation income doesn't pay for a lifestyle - it only covers basics living costs

You'll hear "save for your retirement" your whole life, yet it's very easy to ignore. So many of us want to live for "now", not "later". Later seems a long time away, and there are more pressing needs like credit card bills, supermarket trips, family expenses, holidays, rates, rent...and lots more. But it's not an understatement to say that retirement without savings is going to be miserable.

How miserable will it be without savings?
Spoiler alert: Very. Right now, a retired couple receives $900+ a week before tax. This sounds like a lot for doing nothing, but it's not. It's the same as if both of you earned $12/hour for a full week of work (before tax is deducted). There's also no guarantee that the age you will receive superannuation (currently 65) won't increase. 

$900 a week is about $21,000 a year after-tax. Again, it sounds a lot, but after power bills, rates bills (if you own your home), repairs, maintenance, running a car, supermarket shops and general living, you can quickly be left with $0. And, if you don't own your own home (and many retirees don't), your superannuation payments will be eaten up by rent. 

​​​Summary – Superannuation payments in a nutshell
  • The fortnightly payment is for subsistence; it's not to finance a lifestyle. If you want to do a lot of the things that you're used to doing, you'll need to have savings and/or continue working (both of which we outline below). 
  • Think of superannuation payments as a form of Jobseeker allowance for retirees and work backwards from there.
MoneyHub

Paid employment opportunities for anyone over 65 are limited

The reality is that New Zealand, like many countries, has ageist practices in the workplace. We don't think it's an understatement to say older job hunters are discriminated based on their age nowadays. For that reason, securing work over 65 isn't going to be easy. This limits the options to earn an income outside of your superannuation payments. 

​​Summary – Paid employment above 65 in a nutshell
  • It's not easy to find a paying job, and keep in mind you won't have the energy you do right now when you hit your mid-60s. 
  • If you do find work, your superannuation payments won't be affected. However, any extra benefits like an Accommodation Supplement or disability allowances will be reduced in line with your earnings. ​
MoneyHub

Retiring without savings at 65 is almost-certain misery

If you currently have a comfortable lifestyle, there's no guarantee it will carry on into retirement. If you have no savings, you almost certainly will have a tough time after 65. If you're accustomed to buying a new car every few years, taking trips for Fiji and Hawaii, dinners out with friends and new clothes, these are (for most people) all paid by cashflow. When you hit retirement, wages are replaced with the limited superannuation payment discussed above.

Picture this: If your household income is currently $150,000 per year, receiving $42,000 a year (the current superannuation a couple will receive after tax) is going to be a shock. And worst still, you're not able to do anything about it. 

The Brutal Truth - Unless you retire with savings, you can (most likely) say goodbye to the following at 65:
  1. Overseas holidays
  2. Regular dinners out with friends and family (unless they pay, which isn't ideal)
  3. A new car
  4. New clothes or shopping trips (without careful consideration). 
  5. Presents for family (without having to carefully budget and sacrifice something else)
  6. A boat or 4WD
  7. A holiday home. Paying the rates and ongoing expenses can become unaffordable if you're relying on superannuation.
  8. Renovating your home
  9. Health insurance
  10. Helping your children or grandchildren financially in any significant way (if they need assistance)
  11. Generally, a lot of fun and happiness

What can I do if I retire without savings?
  • You'll be able to enjoy basics things, but you'll forever be watching your expenses. You may never adjust to a fixed income and this may cause depression. Worst of all, there's no way to change your circumstances.
  • Ask yourself - could you live on about $300 a week right now, for the rest of your life? If not, then saving for your retirement should be a priority. Best of all, it's easy to do, and you'll enjoy a much better lifestyle.

​​​Summary – Retiring without savings in a nutshell
  • ​​Having retirement savings at 65 is going to make a HUGE difference to your quality of life. Most fun things are paid for by cashflow. Savings convert into cashflow and mean you'll have choices.
  • It's never too early to save, and you can never save enough.

Retirement Money New Zealand
MoneyHub

KiwiSaver is going to make a difference to your retirement (but you're probably saving too little right now)

KiwiSaver's default contribution rate (how much you invest) is 3%. Most people contribute only 3%, but even in the best circumstances this will only give them a retirement salary of 30% to 50% of their average working salary. This assumes they join KiwiSaver no later than 25 years of age, and the money will only last for 10-12 years. Our KiwiSaver calculator shows this clearly and is worth a few minutes playing around to see your prospects.

What can I do to avoid retirement misery?
  1. Contribute more. It comes down to sacrificing today to live better later on. Even 6% of your salary (3% each between you and your employer) can add up, and the earlier you start, the better your retirement. The government also tops up your KiwiSaver investment every year, so it really is a win-win scheme. 
  2. Make sure you're in a good fund. Our top five KiwiSaver funds is a suggested list of popular and proven options that have long-term growth at their heart.
  3. Avoid default funds. Many New Zealanders are in default funds, and despite government-led efforts to move them to appropriate funds, many providers don't or can't make effective contact with default fund investors. Investing in the wrong fund is like driving in second gear from Auckland to Wellington - slow, expensive and overall just bad.
  4. Avoid the non-contribution trap. It's easy to sign up to KiwiSaver and then opt-out for a savings suspension (also known as a contributions holiday). Historical government data from 2023 shows that 1 in 3 KiwiSaver members don't contribute. We think this is very bad news - being enrolled in KiwiSaver but not contributing means $0 for your retirement. Our suggestion is to always contribute; even if you think you need the money now.

​​Summary – KiwiSaver in a nutshell
  • We believe New Zealanders will experience a retirement time bomb in the coming years - by 2050, we predict a meltdown in that the majority of New Zealanders won't have enough saved to retire comfortably on. This is supported by analysis from FMA KiwiSaver reporting and industry experts. 
  • Contributing over and above the 3% minimum is the only way to take full advantage of the scheme. The more you save, the more obtainable a comfortable retirement is.
  • Be aware: KiwiSaver statements now display your projected retirement balances, but they are based on a number of assumptions (an annual 3.5% pay rise, no withdrawals, no contribution breaks and an annual after-tax returns that are often conservative. We believe the estimated savings projection shouldn't be relied on in any shape or form. 
MoneyHub

Reverse mortgages (AKA equity release) can leave you in a terrible financial situation later on

​Reverse mortgages are also known as retirement "equity release" loans. They provide cash-up-front, with no repayment needed until you sell your home, move to a rest home or pass away. If you own your home, you can live in it while borrowing money based on its value.

Why do reverse mortgages exist, and are they any good?
  1. They exist to solve the problem of retirees having no cash: It's a common problem: you retire and have a mortgage-free house, but the New Zealand superannuation and personal savings don't cover the purchases you want to make.
  2. They offer high-interest debt: On paper, reverse mortgages sound attractive, but they are expensive debt; get it wrong and you can be caught out severely. Annual interest charges, usually between 8% and 11%, compound daily. It is like taking out a big loan and not paying it back for years and years.
  3. How expensive are reverse mortgages? Generally, if you borrow $100,000 at age 65, you will owe around $445,000 by the time you are 80. If you reach 85 and then need to sell your home and go into care, you will owe around $733,000. We assume a 10% p.a. interest rate compounding daily.

​​Summary – Reverse mortgages in a nutshell
  • The numbers speak for themselves. They're a good idea if you believe they are convenient for you (want to stay in your home and avoid involving family), but it's a decision which will take a lot of consideration.
  • Our Reverse Mortgages guide has more details.
MoneyHub

Getting divorced before retirement is financially devastating (and near impossible to do during retirement unless you have a big nest egg)

Divorce is rarely cheap, and the closer you are to retirement you do it, the more devastating it is on your finances (unless you have a lot of money you can divide). 

The usual divorce process is to sell the home you share, and buy two homes. Your family home will likely form a major part of your mutual assets, and sharing the equity is best done when divorce is amicable. If things are not on good terms, a lot of money can be spent on legal fees. Deciding to sell your family home and split the proceeds can be an emotional barrier, even if it's often the best financial decision. Buying a new property may involve applying for a new mortgage; with the clock ticking until retirement, paying down a mortgage will need to be a top priority. This may leave you without cash savings. 

​​Summary – Divorce and Retirement in a nutshell
  • Divorce and retirement savings go together like petrol and fire unless properly managed. If you're going to do it, consider doing it as soon as possible rather than wait until you're both less able to earn money. It's not easy; it will be tough but it can be done if both of you keep it civilised.

Retirement Money New Zealand
MoneyHub

Mixing family and money, giving away a home for money and other concessions can get complicated and strain relationships

If your plan to transfer your home to your children for a sum of money and in return receive a guarantee of a "home for life", you must have the right legal agreements in place. Sometimes it can go wrong when family relationships sour- this Stuff article discusses once example in detail. Our guide to family trusts may be useful for your succession plans, but legal advice is essential. Remember, sons and daughters have wives, husbands and partners and can be influential in "how things should be". This may mean that informal and unwritten agreements are compromised and your best interests are not the priority.

​​Summary – Gifting your home to your family in a nutshell
  • Such a course of action needs careful consideration and legal advice. Avoid setting expectations too high for your children, or underselling your future by giving too much away.
MoneyHub

Retirement homes and rest homes are expensive, and you'll need to have savings to make it worthwhile

Retirement village units are not investments. You are NOT buying a house; instead, you are buying into a lifestyle. And you will lose 20% to 30% of your purchase price when the unit is resold. You will also be forced to pay a weekly fee and live by a set of rules. Before making any decision, it's essential to triple-check everything to make sure you understand exactly what you're signing up to. Residents all over New Zealand speak warmly of their retirement village life, but if you get it wrong, it will almost certainly be a very costly mistake. 

​​Summary – Retirement homes in a nutshell
  • ​Our retirement village guide outlines the pros and cons, and explains the costs involved. The benefits of retirement villages are extensive, but you need to know what your obligations are.
MoneyHub

Some things in retirement are free - New Zealand towns and cities offer plenty of 'free' activities you can do while living a full life in society

Whether you retire with a fortune or next to nothing, you can have an enjoyable life without having to spend money. We are not idealists, so we won't suggest you'll do a thousand new things. That being said, the following are popular activities that retirees enjoy:
  1. Volunteering - transitioning from a workplace to empty days is tough. Having regular hours at a museum, Citizens Advice Bureau, Visitor Information Centre, help out in a local school or similar helps the adjustment to retirement.
  2. Exercising - with no work constraints, time is a luxury, and you can make a commitment to build your fitness.
  3. Taking Classes - there are a number of community activities you can do, but you can also 
  4. Joining Clubs - many have low annual fees ($30, $50 etc.) and offer a lot of benefits, including making new friends. 

​​Summary – Free activities in a nutshell
  • Retirement is a time to relax, and free activities offer a lot of value. Not everything in retirement is about spending money, but having money will let you have far more choices. 

Retirement Money New Zealand
MoneyHub

You can make money from your home if you're struggling (but it may compromise your lifestyle and sense of self-worth)

Sorted helpfully suggests practical ways to generate income from your home, including renting out a room, taking in a boarder and even selling your home to family. However, most of these require you to own your home. If you rent or sell, such a decision will reduce your freedoms and arguably make your day-to-day less enjoyable if you're independently living. We believe such options should only be considered if you are happy to sacrifice independence for money, and that the income you earn is worth the trade-off. It's very easy to suggest "get a flatmate", but even if this earns you $200 a week, there will be consequences for doing so that may cost more than the benefit.

​Summary – Side-Hustle income in retirement in a nutshell
  • 'Easy' money isn't that easy in retirement - whatever you do, it will come at a physical and mental cost which needs to be balanced against the financial gain (remember, you'll be over 65 - things will be harder). 

Know This: A successful retirement means having enough funds to cover both essential and lifestyle expenses.
  • Our guide to Retirement Planning, brought to you by Lifetime Home, explains the key components of a financially stable retirement. Lifetime Home allows retirees to unlock home equity without taking on debt—providing a structured income stream while ensuring long-term financial security.
  • Unlike traditional reverse mortgages, this model offers financial certainty without the risk of compounding interest.
  • Exploring all options is essential to a confident retirement. Read more in our Lifetime Home review or visit their website.
  • ​​Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.​
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Visit Lifetime Home

​Money in a Nutshell: Next Steps for Retirement Planning

Retirement is long and expensive. If you want more money, your options are limited - few employers will hire you, few lenders will loan to you, and your income from the government is only to cover basic expenses. What we've outlined above will ​help make you aware of what the future holds. Right now, it's all about saving - joining KiwiSaver if you haven't already, consider bumping up the contributions above 3%, spending less and looking ahead rather than living for today.

If you have any money questions, email our research team - we always welcome questions and helping every New Zealander we hear from.

Related Resources:
  • How Much Do You Need to Retire Comfortably in New Zealand
  • ​20 Ways to Save Money
  • KiwiSaver Overview
  • Our Favourite KiwiSaver Funds
  • The Happy Saver (External Website)
  • ​Retirement Income Products
  • NZ Super Rates
  • ​Lifetime Home Review

​Financial Independence Guides:
  • How to Retire Early
  • FIRE Explained
  • The Four Percent Rule
  • Five Types of FIRE Plans
  • Getting FIRE’d in New Zealand
  • FIRE and NZ Real Estate
  • ​Achieving Financial Independence, Faster
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • 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
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      • Mortgage Break Fees
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • 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
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      • 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
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      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
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      • Real Estate Agent Fees
      • Bridging Finance
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    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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      • Pie KiwiSaver Scheme Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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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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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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    • Best of New Zealand
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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • 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
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • 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
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 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
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • 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
      • 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
      • Budgeting Apps
      • Free Financial Literacy Classes
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • 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
      • 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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      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
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    • Entertainment
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      • Netflix Review
        • Best Netflix Movies
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