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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20 Easy Ways to Save LOTS on Household Bills

Save money every month by cancelling subscriptions, reducing car costs, switching insurance, re-negotiating rent, applying for better credit cards and switching to cheaper internet, phone and power companies.
Way to Save Money on Household Bills NZ
Updated 13 March 2025

The cost of living is a long struggle for many. This guide is published (and updated) to help Kiwis make the most of their income and eliminate unnecessary spending. When times are good, there’s less of a need to be careful, but even the most affluent household can make use of the suggestions below.

We believe that many households who action 3 to 7 suggestions from the list below could easily save $3,000 to $8,000 per year. There's never a bad time to cut back on what you don't need, want or use. 

Do you have a money-saving tip that you’d like us to share? Email our research team to help improve this guide.

Must-Read Related Guides:
  • 20 Things to Stop Buying to Have More Money
  • 20 Indicators You're Doing Well Financially
  • 20 Must-Know Money Lessons (Learned From Experience)
  • 20 Money Habits that Keep You Poor
  • How to Protect Your Finances from Inflation​

MoneyHub Founder Christopher Walsh shares his views about decreasing essential costs:

"After housing costs (rent or mortgage repayments and rates), the typical New Zealander spends significant amounts of money on five common (and arguably essential) costs:
  • Childcare
  • Food (supermarkets and delivery, food bags, take away and restaurants)
  • Cars (insurance, servicing, petrol).
  • Power
  • Insurances (specifically house, health, contents and pet)

MoneyHub has published guides (linked above) to help reduce these costs; our research continues to find new ways to save, and we update our guides regularly.

Whatever your unavoidable monthly costs may be, keeping personal debt under control frees up more money for keeping on top of costs. For this reason, a common theme of MoneyHub guides is to cut up credit cards if you ever struggle to make full repayments every month. This is because the cost of servicing the debt is significantly high, and often the debt has been created by buying non-essentials.

However you decide to save money, this guide has an extensive list of easy-to-action ways to make it happen".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Our Friends Booster Offer Booster Savvy, Where You Can Save Smarter - We See it as Your Money's New Best Friend

  • Saving doesn't have to be hard--Booster Savvy makes it effortless with tools like Boost (rounds up purchases), Sweep (moves spare cash to savings), and Stacks (organises funds for goals), all while earning a 3.75% p.a. return (net of fees, reviewed monthly).
  • Unlike lowball interest rates from bank accounts, Savvy grows your money daily and keeps it accessible via a Mastercard debit card.
  • Why It Works: Savvy is built to track spending, forecast expenses, and watch savings pile up – it's popular with New Zealanders who are serious about cutting costs and building wealth.
  • No Catch: There is no minimum balance, no penalties - just returns and flexibility.
  • Know More: Dive into our full Savvy Review or visit the Booster Savvy website to see how it works to maximise your effort to save money and positively grow your balances.​
Visit Savvy
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Our Must-Know Tips to Save Money on Everyday Expenses:

Way to Save Money on Household Bills NZ

Cancel Subscriptions

You can easily save $500, $1,000 or even more a year by giving up on subscriptions you don’t need or use. Up until 2020, subscription services exploded, and everything from toilet paper to t-shirts could be regularly delivered to your home. Companies love ‘recurring revenue’ as they know customers seldom make an effort to cancel. However, unless you see the value and actively use the service, we suggest you cancel the subscription.

The best way to find out what you subscribe to is to audit your most recent credit card bill and list of direct debits, and pick out the items to chop out. Once identified, simply log in to the service and click ‘cancel’ or call them up if that's easier. These services and products may include:
  • Sky TV – one of the most expensive subscriptions in New Zealand that's rapidly falling out of favour. $50/month for a basic package with some movie options or sport adds up to over $600 a year.
  • Streaming networks (do you need them all?) – Lightbox, Netflix, Amazon Prime…do you have time for more than one? The crowd favourite remains Netflix, with plans from around $150/year (going up to around $275 for multi-devices). Our guide to streaming services lists what you can for free.
  • Magazines you don’t read – Did you still have unwrapped magazines at the end of the lockdown period? Cancel the subscription…
  • Food and Wine – are you eating and drinking what is delivered? If not, cut back and save. 
  • Dropbox – do you have a free plan but receive regular notifications to upgrade as you hit 2GB? It’s around NZ$200/year if you do, but you can ‘earn’ more space by referring friends. If that doesn’t work for you, delete some stuff you don’t need.

Estimated savings: Anything from $200 to $2,000 a year, depending on what you currently subscribe to.
Way to Save Money on Household Bills NZ

Re-negotiate your Life, Income Protection (and related cover) Insurance Needs

Under-insuring is not the solution, but many insurance policies overcharge when better deals can be found by shopping around for what you do. Our article in The Spinoff covers the basics of what you can look at eliminating.

For life insurance and income insurance, you may be paying too much. You’ll have more room to get a discount (and/or get a better policy) if you visit a trusted insurance broker rather than talk to your existing insurer directly. We’re not advocating cancelling insurance; instead, challenging what you pay and getting a better deal is the only way to avoid a ‘loyalty tax’ by not shopping around.

Top tip – during the process, make ALL the required disclosures so you can’t be accused of having a pre-existing condition. If you’re undergoing medical treatment, don’t switch insurance as claiming will be near-impossible.

​Estimated savings: Up to $1,000 a year if you have existing life, income protection, trauma and related cover and no underlying health conditions.
Way to Save Money on Household Bills NZ

Get Cheaper Car and Home Insurance Policies

MoneyHub research proves both car insurance and home insurance have a big range when it comes to the cost of policies despite the benefits being the same or very similar. Trusted challenger brands like Cove and Trade Me (car insurance) and Initio (home) mean you can get better details by switching to a new provider.

Next Steps:
Our price comparison guides to car insurance and home insurance have more details.

Estimated savings: Up to $500 a year on car insurance if you have a good driving history, and up to $400 on home insurance existing life, income protection, trauma and related cover and no underlying health conditions.
Way to Save Money on Household Bills NZ

Consider Cancelling Contents Insurance Altogether

Content insurance is costly if you don’t own much of value. The test is this - if you would struggle no longer having a laptop, TV, musical instrument, linen, cutlery, even clothing, and wouldn’t have the money to replace your possessions, then contents insurance is probably a good idea. However, if instead you’re paying for a policy and don’t own many items of significant value, you could consider cancelling the policy altogether. Best of all, if you’ve prepaid for 12 months, you’ll get the remaining months you don’t need refunded.

Know This: If you are concerned about being liable for accidentally damaging the home you rent and want insurance for that, things have changed considerably. Our guide to renters insurance has more details.

Estimated savings: If you cancel contents insurance you don’t need, you can save up to $750 a year.
Ways to Save NZ
Way to Save Money on Household Bills NZ

Cancel expensive credit cards (or switch to low-cost or free cards)

If you pay $150 per year for a credit card and then 20%+ interest on balances, there are cheaper options available. A low-interest and low-fee credit card is a good starting point to save every month on outstanding balances - our guide lists all the cards currently on offer.

Estimated savings: $1,000 a year for anyone with a gold/platinum card carrying a balance of $3,000 to $5,000 month-to-month.

Our Friends Booster Offer Booster Savvy, Where You Can Save Smarter - We See it as Your Money's New Best Friend

  • Saving doesn't have to be hard--Booster Savvy makes it effortless with tools like Boost (rounds up purchases), Sweep (moves spare cash to savings), and Stacks (organises funds for goals), all while earning a 3.75% p.a. return (net of fees, reviewed monthly).
  • Unlike lowball interest rates from bank accounts, Savvy grows your money daily and keeps it accessible via a Mastercard debit card.
  • Why It Works: Savvy is built to track spending, forecast expenses, and watch savings pile up – it's popular with New Zealanders who are serious about cutting costs and building wealth.
  • No Catch: There is no minimum balance, no penalties - just returns and flexibility.
  • Know More: Dive into our full Savvy Review or visit the Booster Savvy website to see how it works to maximise your effort to save money and positively grow your balances.​
Visit Savvy
Heartland Best Bank Account
Favourite Debit Card

Way to Save Money on Household Bills NZ

Balance Transfer Credit Cards Cut Debt Cost

A $5,000 credit card balance at a 20% p.a. interest rate is incurring $1,000+ in interest costs which is completely unnecessary. Savvy savers find a balance transfer deal, switch the debt to a 0% (or very low-interest) deal and cut the existing card up. Over the length of the low-interest period, you make repayments to clear the debt and avoid using the card for new purchases. It’s the cheapest and most-effective way to save on interest costs and move towards becoming debt-free.

Estimated savings: $1,000 a year based on a $5,000 month-to-month balance.
Way to Save Money on Household Bills NZ

​Stop Paying International FX Fees on Your Debit Card and Credit Card

Only two cards, the Wise Debit Card and Flight Centre Mastercard, eliminate the foreign currency fees all the banks love charging. If you shop online and pay with foreign currencies or travel overseas, your bank will charge you a fee for ‘translating’ the currency. The good news is there’s no need to pay it – the Wise debit card is free, gives you the best exchange rate and doesn’t charge any such fees. If you want a credit card, Flight Centre’s offering gives a number of benefits as well as 0% FX fees. Our guide to overseas credit card bank fees explains more.

Estimated savings: 2% to 3% on whatever you spend. If you’d normally spend around $5,000 a year on purchases made in non-NZD currencies, you’ll save at least $100 to $150. Better yet, with the Wise Debit Card and Flight Centre Mastercard, you’ll get the best currency exchange rate and save even more.
Way to Save Money on Household Bills NZ
Way to Save Money on Household Bills NZ

Cut Overdraft Costs with a Better Bank Account

Overdraft interest rates and fees are huge, and being in overdraft for an average of $2,000 a year can cost up to $500 in interest and fees and charges. Our guide to bank overdrafts shows that charges differ massively; some charge 10%, others as high as 23%.  The good news is that joining a new bank offering a low-interest overdraft is easy and painless and will certainly help you save money right away.

Our guide to cutting overdraft costs compares the best (and worst) bank deals available right now.

Estimated savings: $200 to $300 per year. This is based on your overdraft interest rate falling from around 20% to 10% and an average overdrawn balance of $2,000 to $3,000. If your overdraft is often more, your savings will be higher.
Way to Save Money on Household Bills NZ

Switch to the Best Value Mortgage

The Official Cash Rate has never been lower; if your mortgage term is about to expire (or not too far away), start looking for a better deal. The lower interest rate means your mortgage will be significantly cheaper and help with your finances. The cheaper the deal, the better things will be. Our home loans guide lists the best mortgage rates available right now.

Estimated savings: A 2% lower interest rate (i.e. 4.99% to 2.99%) will save $10,000 per year on a $500,000 mortgage balance.
Way to Save Money on Household Bills NZ

Delete apps like Afterpay and LayBuy

In this new economy, cash is king, and we never know what’s around the corner. Paying for a hair appointment at $50 a week for six weeks, or $75 a week for four weeks for an impulse shopping trip, feels a bit 'yesterday'. These apps rely on continuous consumer spending and add another complication to keeping your money under control. If you really want it, saving up for it and paying for it in cash is fast becoming the new normal.

Estimated savings: Anything from $100 to up to $5,000 a year (if you’re a regular user and stop purchasing on non-essentials).
Way to Save Money on Household Bills NZ

Switch Power Suppliers

Our detailed power company comparison reveals cheaper electricity deals in major cities over New Zealand. With many electricity retailers offering joining discounts and competitive tariffs, shopping around and switching is likely to save you money month after month.

Estimated savings: Up to $1,000 a year if you’re a moderate to heavy electricity use (based on our research and price comparison),
Way to Save Money on Household Bills NZ

Switch to a Cheaper SIM-only phone plan

On-account phone plans can get expensive, especially if you’re paying for data and minutes you don’t use. With challenger brands like Skinny, Warehouse Mobile and Two Degrees competing against established networks, there are bargains to be had. If you’re paying $60+ a month for a rolling contract plan, chances are Skinny can do it for around $40. Our SIM-Only Mobile Plans comparison guide has all the details.

Estimated savings: $150 to $300, depending on your data usage habits.​
Way to Save Money on Household Bills NZ

​Switch to a Cheaper Broadband or Fibre deal

Broadband and fibre companies compete hard for business, and many offer fantastic sign-up deals if you commit to a 12-month plan. Our broadband comparison ranks the best deals of the month based on your specific needs.

Estimated savings: Up to $500 a year.
Ways to Save NZ
Way to Save Money on Household Bills NZ

Swap Paid Activities for Free Things to Do

If you have children, there are lots of free things you and your family can do together. Our guide to 100+ free activities in Auckland has the most comprehensive list, but you can also find relevant options in our school holiday guide for Wellington and Christchurch. Outside activities are, arguably, more healthy and memorable – New Zealand’s nature and scenery are free, so it’s a win-win for everyone.

Estimated savings: Around $1,000 a year (if you’d otherwise spend $20+ a week).
Way to Save Money on Household Bills NZ

Get Free Money from the New Zealand Government

Struggling with your finances is stressful, but support is available from the NZ Government. Plenty of programs exist to help low and middle-income families make essential expenses more affordable - our guide reveals what help is available right now. New Zealand has long been a welfare state, and despite negative media reports about Work and Income, those willing to help themselves can be supported with short-term help. If you’re worried about how you’ll make ends meet this month or in the short term, our guide has you covered.

​Estimated entitlements: This varies, but options include utility bill assistance, childcare subsidies and a range of rebates and grants add up.
Way to Save Money on Household Bills NZ

Save Money on Driving Costs

Despite the cost of oil being low, prices at the pump are still around $2 a litre, which makes using a car expensive. Our extensive list of 20 Tips to Cut Your Driving Costs covers everything from avoiding premium unleaded for standard cars, saving on fuel your petrol bills by changing your driving, bargaining down the price of tyres and repairs and other helpful easy-to-action tips.

Estimated savings: Up to $1,000 a year​.
Way to Save Money on Household Bills NZ

​Sell an Under-Used Car and Avoid all the Ongoing Costs

If you’re struggling with the costs of driving, selling your car altogether is worth considering. Or, if your family has two cars, would you be OK with one? When you sell a car, you’ll not only get a sum of money, but you’ll save a lot of ongoing costs. There will be no more WOF, repairs costs, insurance and petrol station bills. If you’re a young family and one parent is commuting by public transport anyway, it’s worth looking into. Retired couples may also benefit from single car ownership.

​Trade Me Motors is a great starting point to find out the value of your car, and see if it makes financial sense to sell up.

​Estimated savings: $1,000 a year in road costs, $1,000+ a year in finance costs (if applicable) and $500+ a year in insurance costs.​

Next Steps: Our Car Valuations guide has more details about what you can get in cash if you decide to sell a car.
Way to Save Money on Household Bills NZ
Way to Save Money on Household Bills NZ

Re-Negotiate Your Rent or Consider Moving Homes

When New Zealand closed its borders in March 2020, ex AirBnB homes became rental properties overnight in areas all over the country. Because of the increased selection available, it's perfectly reasonable to negotiate on rent given the market conditions. This is somewhat unfamiliar territory for many long-time New Zealand renters, but it's worth having the conversation with the property manager or landlord. If you've been a reliable tenant and want to stay on, you're in an even stronger position.

​Estimated savings: It varies, but even $30/week adds up to $1,500 a year. 
Way to Save Money on Household Bills NZ

Take Lunch to Work

This simple tip can add up to a lot of savings over a year. If the average lunch costs around $10, making a sandwich or packing something even more exciting can easily save you over $2,000 a year. 

MoneyHub founder Christopher says:
"When I was about to leave my investment bank career, I knew every lunch I took to work was financing my future. My workmates would easily spend $40 to $50 a day on lunch, but in the last few months, I sat it out and chowed down on a tasty homemade sandwich. I estimate I probably saved about $3,000 and felt better as a result, and had more time to work on my business plans during the lunch break." 

Estimated Savings: $1,000 to $2,500 a year (depending on what you spend making your lunch).​
Way to Save Money on Household Bills NZ

​Save Up for Things You Want (and Build a Savings Fund)

When 2020 hit, many people lost their income overnight and had no money in the bank to cushion them without government aid. To help prevent financial stress and sleepless nights, make the decision to save up for purchases and pay for them in cash. This may be an unfamiliar approach, but it's guaranteed to reduce expenses and debt in the long-term. If you're not prepared to save for it, you probably don't want it as much as you think.

Top Tip: To help reduce the risk of spending unnecessarily, try leaving your EFTPOS or credit cards at home when you go out. Instead, carry cash - you won't be able to make impulse buys if you know the money has to last. 

Estimated Savings: At least $1,000 a year, but likely to be considerably more. Impulse purchasing is a major cost, so eliminating it will boost your savings and help you create a rainy day fund. 

Next Steps: Our Emergency Funds guide has more details about how to establish a safety net.

Our Friends Booster Offer Booster Savvy, Where You Can Save Smarter - We See it as Your Money's New Best Friend

  • Saving doesn't have to be hard--Booster Savvy makes it effortless with tools like Boost (rounds up purchases), Sweep (moves spare cash to savings), and Stacks (organises funds for goals), all while earning a 3.75% p.a. return (net of fees, reviewed monthly).
  • Unlike lowball interest rates from bank accounts, Savvy grows your money daily and keeps it accessible via a Mastercard debit card.
  • Why It Works: Savvy is built to track spending, forecast expenses, and watch savings pile up – it's popular with New Zealanders who are serious about cutting costs and building wealth.
  • No Catch: There is no minimum balance, no penalties - just returns and flexibility.
  • Know More: Dive into our full Savvy Review or visit the Booster Savvy website to see how it works to maximise your effort to save money and positively grow your balances.​
Visit Savvy
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          • Other Coins
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  • Loans & Finance
    • Car Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • Reviews
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        • 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
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
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    • Other Credit Cards
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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  • Banking & Savings
    • Banking
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      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
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      • Booster Savvy Review
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Revolving Credit Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • 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
    • Mortgage Management
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      • 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
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      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
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      • Trusted Mortgage Brokers in Wellington
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      • 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
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
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      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
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      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
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      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
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      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
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    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • Generate KiwiSaver Scheme
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      • 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
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      • New Zealand Defence Force KiwiSaver Scheme
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      • Pathfinder KiwiSaver Review
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      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Asia
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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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      • State Travel Insurance Review
    • 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
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      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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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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      • Electric Kiwi Broadband Review
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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
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 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
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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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      • Hosting International Students
      • How to Sell on Fiverr
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
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    • Entertainment
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      • Amazon Prime Video Review
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Affordable Online Clothes Shopping
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