Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Setting goals
Money tracking
Plan your spending with a budget
Getting advice
Studying
Get better with money
What pūtea beliefs do you have?
How to build up your emergency savings to cover unexpected costs
How to save your money
How to start investing
Find a financial adviser to help you invest
Your investment profile
Compound interest
Net worth
Types of investments
Term deposits
Bonds
Investment funds
Shares
Property investment
How KiwiSaver works and why it's worth joining
How to pick the right KiwiSaver fund
Make the most of KiwiSaver and grow your balance
How KiwiSaver can help you get into your first home
Applying for a KiwiSaver hardship withdrawal
How to use buy now pay later
What you really need to know before you use credit
How to get out of debt quickly
Credit reports
Know your rights
Pros and cons of debt consolidation
Credit cards
Car loans
Personal loans
Hire purchase
Student loans
Getting a fine
What happens if I start to struggle with moni?
How to protect yourself from fraud and being scammed
About insurance
Insurance types
Insuring ourselves
Wills
Enduring powers of attorney
Family trusts
Insuring our homes
Losing a partner
Redundancy
Serious diagnosis
How to cope with the aftermath of fraud
Separation
About NZ Super – how much is it?
When you’re thinking of living in a retirement village
How to plan, save and invest for retirement
Manage your money in retirement
Find housing options in retirement
Four approaches to spending in retirement
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Browse
Planning & budgeting
Tackling debt
Home buying
Protecting wealth
KiwiSaver & retirement
Saving & investing
Real-life read
29 January 2026
Reading time: 4 minutes
In our series exploring people’s real experiences with money, family lawyer Sarah Mason shares how witnessing the financial outcomes of divorce in her job has inspired a passion for women’s financial …
28 January 2026
Reading time: 8 minutes
The Depositor Compensation Scheme protects our savings in the unlikely event our bank, building society, credit union or finance company falls over.
14 January 2026
Reading time: 5 minutes
New Zealand students will learn financial education in school from 2026 from Years 0 to 10. Find out what your child will learn about money, compound interest and budgeting – plus free tools to suppor…
15 December 2025
Reading time: 4 minutes
In our series exploring people’s real experiences with money, Eliza shares how she found a balance between spending and saving – allowing her to buy her first home in her 20s while still spending on t…
Updated 1 December 2025
Reading time: 3 minutes
Especially with prices continually rising this year, we can all agree that more spending does not necessarily mean more Christmas.
Visit us on social
© Office of the Retirement Commissioner
Use verification code from your authenticator app. How to use authenticator apps.
Don't have an account? Sign up
Or log in with our social media platforms
A free account gives you your very own space where you can save your tools and track your progress as you get ahead.
Or sign up using Google:
Back
