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 build up your emergency savings to cover unexpected costs
Cryptocurrency
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
Updated 10 February 2026
Reading time: 5 minutes
Struggling to know which career path to go down? Here’s why ‘passion’ shouldn’t be your only criteria.
21 June 2022
Reading time: 7 minutes
If you’re borrowing to get by, using credit for everyday expenses like food or petrol, here are some things you can do.
23 May 2022
Reading time: 7 minutes
There comes a moment when you hit a turning point in life and with your money. You need something more, and it’s time to make changes.
29 November 2021
Reading time: 5 minutes
Overall, borrowing is getting safer here in New Zealand. Thanks to recent rule changes, the chance of you getting into crippling debt will be lower.
Updated 6 November 2025
Reading time: 6 minutes
Practical tips for managing debt safely – from choosing the right credit card to avoiding hidden fees and getting help when you need it.
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
