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Your online financial check-up

Sorted is New Zealand’s free independent money guide, run by the Retirement Commission. It’s full of calculators and information to help you manage your personal finances throughout life.

Order Sorted booklets

Order or download free Sorted booklets including 'Sorted - Your guide to getting there'.

New Budget calculator now live

We have launched a new version of our Budget calculator. We're making changes based on your feedback, and introducing some helpful new features.

If you have any questions or want to report any issues please email us. Thank you for your patience, and we hope you will enjoy using the new tool.

Tips for getting your finances on track in 2009

Read our top tips for getting your finances on track in 2009

OCR goes down again

On 4 December the Reserve Bank lowered the Official Cash Rate (OCR) by 1.5%. The OCR is the interest rate the Reserve Bank charges on money it lends to NZ banks. See how this might affect your mortgage with our Mortgage repayment calculator.

Managing debt - new info

We've updated our Managing debt section with new information on personal loans, what to do if you have repayment problems, and the risks involved in guaranteeing someone else's debt.

Glossary: interest
Money paid in return for the use of money. If the bank is using your money (in a savings account) they pay you interest. If you are using the bank's money (via a loan), you pay the bank money.