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

Looking to stop contributing to KiwiSaver due to financial pressures? Our guide covers the pros and cons of this decision, the consequences in the long term and how to take a savings break to help you make an informed decision about your financial future.
Should I Stop Contributing or Opt-Out of KiwiSaver?
Updated 4 November 2024

Summary:
  • ​Almost all New Zealanders will know of KiwiSaver and the benefits of saving money for the future. However, with a cost of living crisis, many are considering stopping their contributions to KiwiSaver due to financial pressures.
  • While it's widely known that stopping your KiwiSaver contributions has long-term ramifications for your financial future, the specifics are rarely articulated and the consequences are rarely appreciated.​
  • While the high living costs make it completely understandable to consider all the options to make ends meet, including pushing away retirement savings, stopping contributions to KiwiSaver can have serious consequences for an individual's financial security in the long term. These can lead to unintended consequences such as difficulties in old age and missed investment opportunities.
  • If you stop contributing to KiwiSaver, the 3% (or whatever percentage you contribute) you previously contributed will be added to your regular salary or wages. However, it is important to note that this additional amount will be subject to income tax, just as it would have been if it remained part of your KiwiSaver contribution.
  • KiwiSaver contributions and income tax are calculated based on your gross pay, so your tax rate remains the same regardless of whether the funds are sent to your KiwiSaver fund or received as part of your regular income. You also lose out on the employer's 3% gross contribution, as well as the government contribution.

Know This First: An Example
  • If you earn $60,000 a year and stop your 3% KiwiSaver contributions, you would have an additional $1,800 (3% of $60,000) added back to your annual income.
  • A $60,000 salary puts you in the 30% income tax bracket for income between $48,001 and $70,000. Therefore, the additional $1,800 you receive will be taxed at 30%.
  • Stopping your KiwiSaver contributions would give you an additional $1,260 in your annual income after tax.

Our guide covers:
  • Why are Kiwis Stopping their KiwiSaver Contributions?
  • How Can I Take a KiwiSaver Savings Break?
  • What are the Pros & Cons of Stopping Contributions to KiwiSaver?
  • Frequently Asked Questions

Know The Difference - Opting out vs Stopping your Contributions

  • Opting out is available for a specific timeframe (day 14 to day 56) when a new employee who is not already in KiwiSaver has been auto-enrolled by an employer, as per their obligation.
  • Opting out closes an account (which has only ever been provisional), meaning no funds have been passed to the provider. 
  • The employee is refunded their deductions, the employer is refunded theirs, and the account is never active.
  • Many people think they can ‘opt out’ of any employer at a later date to stop deductions. However, this is not the case - you can only choose a savings suspension. Opt-outs sent to Inland Revenue are declined, and a savings suspension is automatically issued for 12 months.
  • Many New Zealanders do not understand the difference, but we publish this section to make it clear. This guide focuses on savings suspensions which allows you to stop contributing and retain more of your after-tax income. 

Know This First: Understanding KiwiSaver and How to Stop Contributing

  • As a background, KiwiSaver is a voluntary retirement savings scheme designed to help Kiwis save for retirement. It's an important financial tool that can provide financial security in old age and help prevent future financial difficulties. The scheme is designed to help Kiwis save for their retirement by making it easy to set aside a portion of their income each pay period.
  • When you enrol in a KiwiSaver scheme, you'll choose a savings plan that suits your needs and risk tolerance. Your employer will then automatically deduct a set amount from your pay each pay period, which will be deposited into your KiwiSaver account.
  • For those that enrol in the KiwiSaver scheme, the minimum amount set by legislation is 3% of your pay (which is matched by your employer). However, some government and private companies can offer more to incentivise increased retirement savings and improve employee compensation packages.
  • In addition to your contributions, the government also makes contributions to your account as outlined in our dedicated guide. This money is paid annually based on the amount you've contributed to your account during the previous year. More information on the government's member contributions can be found on the IRD's website.
  • You can choose to stop contributing any time you want; it's called a savings suspension and you'll lose your employer's contribution (e.g. 3%). All employees who have contributed and been a member for 12 months or more can have a savings suspension for 3 months to 1 year. You do not need to give a reason and you can have as many savings suspensions as you want. You'll need to access MyIR and follow the steps outlined here.
  • Generally, you'll only be able to withdraw your KiwiSaver after you turn 65. However, some situations allow you to withdraw your KiwiSaver, such as when you're purchasing your first home, when you're going through financial hardship or when you're leaving New Zealand permanently. You cannot opt-out once you're enrolled unless you leave New Zealand (or were enrolled without your knowledge and exit before a set time), but you can have as many savings suspensions as you want.
More Details on KiwiSaver:
  • KiwiSaver Essentials
  • KiwiSaver Hardship Withdrawal Applications
  • Withdrawing Your KiwiSaver
  • Choosing Your KiwiSaver Scheme Provider
  • Switching KiwiSaver Funds

Should I Stop Contributing to KiwiSaver NZ

Why are Kiwis Stopping their KiwiSaver Contributions?

​There are two primary reasons why Kiwis are considering stopping contributions to KiwiSaver:

1. Financial Pressure

​New Zealand is experiencing a strain on household budgets due to high inflation and rising prices for necessities like rent, groceries, and child care. The high cost of living can make it difficult for individuals to afford to contribute to KiwiSaver, especially if they're struggling to meet their current expenses. While a 3% contribution doesn't seem significant, many households are struggling and financial pressure may mean current expenses are prioritised over saving for the future. Having $20 or $30 extra per week on an average by dropping KiwiSaver wage is significant.

2. Decreased Net Worth and Portfolio Values

​Another reason why Kiwis are considering halting contributions to KiwiSaver is the market downturn and negative financial performance of funds. If individuals see their KiwiSaver accounts decreasing in value due to market fluctuations, they may be discouraged from continuing their contributions. This behaviour can be especially true for inexperienced or uncertain investors in the financial markets.

What Does the Data Say about Young New Zealanders who have Opted Out of KiwiSaver?

You're automatically enrolled in KiwiSaver when you start a new job in New Zealand. However, from 2022, young Kiwi workers are actively and increasingly choosing to opt out of KiwiSaver. The IRD has datasets to show that there's been a 6% increase in people opting out of the program between July 2021 and June 2022, the highest increase since data collection began in 2012. Most of those opting out are young, with 28% being in the 25-34 age group and 70% below the age of 45.

More young Kiwis opting out of KiwiSaver could be a warning sign of long-term consequences caused by an upcoming recession and rising interest rates. However, it’s not surprising to see an increase in opt-outs given the market volatility, inflation, and the rising cost of living.
Should I Stop Contributing to KiwiSaver?
Source: Bloomberg and The Inland Revenue (IRD).

Should I Stop Contributing to KiwiSaver

How Can I Take a KiwiSaver Savings Break?

One of the features of the KiwiSaver scheme is the ability to take a savings break (also known as a KiwiSaver Savings Suspension, which allows you to stop making contributions to your account temporarily.

A savings break can be taken for various reasons, such as experiencing financial hardship, purchasing your first home, or taking time off work to raise children. To take a savings break, you'll need to lodge the request via MyIR.

Know This:
  • While you're on a savings break, your contributions will stop, but your KiwiSaver fund will remain open, and your balance will continue to earn interest (if in a cash fund) or returns (as the sharemarket moves). However, during a savings break, your employer won't be required to make any contributions to your account, and you won't be eligible to receive any government contributions.
  • It's worth noting that taking a savings break can impact your retirement savings and your eligibility for the KiwiSaver first-home withdrawal. It’s important to weigh the benefits of a savings break against the potential impact on your savings before making a decision. Check out our definitive guide for a more detailed breakdown of taking a KiwiSaver savings break.

Should I Stop Contributing to KiwiSaver Pros & Cons

What are the Pros & Cons of Stopping Contributions to KiwiSaver?

Pros:
​There are several reasons why Kiwis may choose to stop contributing to KiwiSaver:

1. Increased disposable income

  • Stopping contributions to KiwiSaver is becoming a more popular choice for people looking to increase their disposable incomes.
  • By suspending their payments, someone would theoretically get the amount they would usually put into KiwiSaver as disposable income (which could be anywhere from 3% to over 10%) that could be used to cover expenses.
  • In addition, by halting contributions, individuals may have more money available to cover necessities such as rent, groceries, and child care.
  • Halting contributions can be especially beneficial for those facing financial pressures and struggling to meet their current expenses - giving up a 3% contribution on a $50,000 salary will direct around $125 (before tax) per month into someone's pocket.

2. Increased flexibility

  • Another benefit of stopping contributions to KiwiSaver is that individuals may have more flexibility with their finances. By not contributing to KiwiSaver, individuals will likely have more control over how they allocate their money and may be able to use it for other financial goals, such as paying off debt or saving for a home.
  • While the ~3% increase in cash flow might not seem like much, it can make all the difference for Kiwis paying 7%+ interest on mortgages and can add a buffer in case short-term/emergency expenses arise.
  • Additionally, for those contributing more than the 3% minimum, stopping contributions to KiwiSaver could mean you increase your cash flow by up to 10% (before tax) depending on your contribution rate.
Cons:
​There are several drawbacks to stopping contributions to KiwiSaver: 

1. Slower wealth accumulation and lower retirement savings

  • Individuals miss out on the opportunity to grow their savings through investments. KiwiSaver funds are invested in various financial products, such as shares, bonds, and cash, and the value of these investments is designed to increase over time.
  • By halting contributions, individuals may miss out on the potential growth of their savings and may have less financial security in their retirement.

2. Missing out on employer match and yearly government contributions

  • By law, your employer is obligated to contribute a minimum of 3% to your KiwiSaver account if you're also contributing that amount. Therefore, stopping contributions may mean missing out on this additional investment if your employer provides a matching contribution above and beyond the 3% to your KiwiSaver account.
  • Additionally, if you don't reach the minimum contribution amount (which, as of 2023, is $1,042.86) as set by IRD, you'll miss out on the $521.43 the government normally would put into your KiwiSaver account each year. This is, effectively, free money and forfeited if you stop contributing and don't meet the minimum.
There are are also long-term impacts of stopping KiwiSaver contributions as there are some serious consequences for individuals that don't contribute to retirement savings in the long term:

3. Shortfall of funds when you reach retirement age

  • The potential financial difficulties that arise in the golden years of many New Zealanders cannot be understated. Without sufficient retirement savings, individuals may have to cut down on their usual spending or substantially adjust their retirement plans to ensure they can still support themselves without relying on their family members or the New Zealand government.
  • However, relying on New Zealand Superannuation or family members may still be insufficient to meet their needs and could lead to financial difficulties.
  • KiwiSaver savings are designed to help retirees live beyond the basic level provided for by superannuation payments. However, many New Zealanders retire without sufficient savings and face hardship in their golden years. The consequence of stopping contributions today may be a difficult retirement.

4. Over-reliance on New Zealand Superannuation

  • As outlined above, without sufficient retirement savings, individuals may rely solely on New Zealand Superannuation for financial support in their old age. This sole reliance on New Zealand Superannuation may become an issue as New Zealand Superannuation alone may not meet their needs and could lead to financial difficulties.
  • This trend could have negative consequences for both individual Kiwis and the New Zealand government, as those who stop contributing altogether, especially if their employer provides a matching contribution, may face a difficult retirement.
  • For a further breakdown of New Zealand Superannuation, visit our guide.

5. Implications for the New Zealand pension system.

  • Another drawback of stopping contributions to KiwiSaver is that it may negatively affect the New Zealand economy and society. As the population ages and more people retire, there may be a strain on government pension schemes if individuals don't have sufficient private savings to support themselves.
  • This overreliance on the New Zealand pension system could lead to a crisis in the pension system and potentially cause financial difficulties for the government and the economy. How significant this becomes is yet to be seen - this Stuff.co.nz article from 2017 suggests the risks are significant

Know This: Cancelling your KiwiSaver contributions is unlikely to make a significant difference.

The reality is budgets need to be balanced which requires careful budgeting, self-restraint and financial planning. By doing so, you can ensure a secure financial future and your family whilst still making ends meet in the here and now.

​Stopping contributions to KiwiSaver is not a decision to be taken lightly, as it will likely have long-term consequences on your financial security (and that of your family). So while it's understandable to consider stop contributing to keep up with financial pressures and a high cost of living, being fully aware of all the potential consequences (both short-term and long-term) is critical.

Should I Stop Contributing to KiwiSaver Facts FAQs

Frequently Asked Questions

Can I stop my contributions to KiwiSaver at any time?

Yes, you can stop your contributions to KiwiSaver anytime by using myIR. However, it's important to consider this decision's long-term consequences before making it.

What happens to my KiwiSaver account if I stop my contributions?

If you stop your contributions to KiwiSaver, your account will remain open, and you will still be able to move funds or schemes. You also have access to any contributions you have already made for qualifying withdrawals such as first-home or reach the retirement age. While your contributions are suspended your fund will probably not grow as much as it would if you continued to contribute given the lack of new cash coming in.

Can I access my KiwiSaver savings if I stop my contributions?

​Generally, you'll not be able to access your KiwiSaver savings until you reach the age of eligibility, which is currently 65 years old. However, this rule has some exceptions, such as financial hardship or when you're purchasing your first home.

Is it better to contribute to KiwiSaver or invest elsewhere?

Whether to contribute to KiwiSaver or invest in other financial products depends on your financial situation and goals. However, the "other financial products"  you'll often invest in (such as ETFs, shares or bonds) might also be accessible through certain KiwiSaver funds.

If you choose to invest elsewhere rather than contributing to KiwiSaver, you'll lose out on the employer and government contributions associated with contributing to KiwiSaver. This makes KiwiSaver attractive as an investment opportunity, especially given the range of funds available.

What are some alternatives to stopping your KiwiSaver contributions?

If your finances are under pressure, and you want to free up some disposable income but don't want to risk your retirement or are anxious about the upcoming market recession, the only option is to reduce your contributions (if they're above 3% already). This contribution reduction can help to lower your expenses while still allowing you to save for retirement. For example, if you're currently contributing 8% of your pay to KiwiSaver, but your employer is only contributing 3%, consider reducing your contribution amount to the employer-match level (3%) rather than outright opting out.

What’s the ideal time to halt KiwiSaver contributions?

Halting current contributions for a few months (or even years) can be one option if you know short-term financial pressures won't get resolved in the medium term (12 months onwards). However, once you realise that your short-term financial problems turn into longer-term structural issues, it might pay to consider the longer-term ramifications of not contributing to KiwiSaver.

Figuring out a realistic solution to your financial pressures will become essential - diverting suspended KiwiSaver contributions into your bank account won't be so significant as to avoid ongoing hardship.

I’ve stopped contributing to KiwiSaver but am in a better financial position now and want to start contributing. Can I do this?

​Yes - you need to visit myIR and restart contributions.

Who should I be stopping KiwiSaver contributions? When does it make sense to do so?

There's no right answer here. Whether you should stop KiwiSaver contributions will depend on your unique financial situation. However, stopping KiwiSaver contributions is completely rational if you struggle to make ends meet. The additional disposable income you get from not contributing to KiwiSaver can make all the difference to your living situation (spending on food, power, petrol or rent).

I've just started contributing to KiwiSaver (less than 12 months) but have had some financial difficulty and want to take a savings break. Can I do that?

Unlike when you’ve been contributing to KiwiSaver for more than 12 months, you'll be required to present evidence of financial hardship beyond your control. If your circumstances have changed due to reasons within your control, your application may not be approved.
​
Per the IRD's guidance, when you apply, they will need to see evidence of financial hardship for reasons outside your control. If your financial circumstances have changed for reasons within your control, your application may not be accepted.

The IRD states they will work with you to decide the right length of time. The default period for a savings suspension is 3 months. Depending on your circumstances, the IRD may give you up to 1 year.

Related Guides:
  • ​KiwiSaver Essentials
  • KiwiSaver Hardship Withdrawal Applications
  • Withdrawing Your KiwiSaver
  • Choosing Your KiwiSaver Scheme Provider
  • Switching KiwiSaver Funds
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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  • Mortgages
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    • Alternative Mortgage Options
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • Fleeced Kiwi Awards 2025
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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      • 15 Great Things New Zealanders Can be Optimistic About
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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      • FIRE Explained
      • The Four Percent Rule
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      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • 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
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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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
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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