SEARCH
Menu
Search
circle MENU Sort my...
A man and woman are walking together outdoors and looking happy
Sort my...
START HERE
Everyday money
KiwiSaver
Debt
Saving
circle MENU 6 steps to get your money Sorted
6 steps to get your money Sorted
START HERE
1 circle
Start your emergency fund
 2 circle
Get your KiwiSaver on track
 3 circle
Tackle your debt
 4 circle
Cover your people, money, stuff
 5 circle
Work out your retirement number
 6 circle
Set your goals, then reach them!
circle MENU Tools
Hands craddling dollar
All
Tools
Tool icon
Budgeting
tool
Tool icon
Goal
planner
Tool icon
Money
personality quiz
Tool icon
Debt
calculator
Tool icon
Mortgage
calculator
Tool icon
Retirement
calculator
hands craddling graph
Smart
Investor
Tool icon
KiwiSaver
fund finder
Tool icon
KiwiSaver
calculator
Tool icon
Savings
calculator
Tool icon
Investor
profiler
Tool icon
Net
worth calculator
circle MENU Guides
Browse guides by...
Tool icon
Planning & budgeting Planning & budgeting
Setting goals
Money tracking
Plan your spending with a budget
Getting advice
Studying
Get better with money
What pūtea beliefs do you have?
Tool icon
Saving & investing Saving & investing
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
Tool icon
KiwiSaver KiwiSaver
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
Tool icon
Tackling debt Tackling debt
How to use Buy Now, Pay Later
Before borrowing
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?
Tool icon
Protecting wealth Protecting wealth
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
Separation
Serious diagnosis
How to cope with the aftermath of fraud
Tool icon
Retirement Retirement
About NZ Super
This year's NZ Super rates
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
Tool icon
Home buying Home buying
How to refinance your mortgage
How to save for a deposit
Managing a mortgage
Mortgage types
Shopping for a mortgage
How much can I borrow?
How KiwiSaver can help you get into your first home
Tool icon
Life events Life events
Going flatting
Your first job
Relationships and growing money together
Planning for a family
Serious diagnosis
Losing a partner
Redundancy
Separation
Studying
All Guides
Setting goals Why money goals are important and how to set them
Money tracking How to track your money to create a budget and stick to it
Plan your spending with a budget How to start a budget and why it's important
Getting advice Find financial advice and support with money
Studying Budgeting money when you're studying
Get better with money I’d like to get better with money. Where do I start?
What pūtea beliefs do you have? What pūtea beliefs do you have?
How to save your money How to save your money
How to start investing How to start investing
Find a financial adviser to help you invest Find a financial adviser to help you invest
Your investment profile Your investment profile
Compound interest Learn how compound interest can help your money grow
Net worth How to work out your net worth and what it means
Types of investments Types of investments
Term deposits Term deposits
Bonds Bonds
Investment funds Investment funds
Shares Shares
Property investment Property investment
How KiwiSaver works and why it's worth joining How KiwiSaver works and why it's worth joining
How to pick the right KiwiSaver fund How to pick the right KiwiSaver fund for you
Make the most of KiwiSaver and grow your balance Make the most of KiwiSaver and grow your balance
How KiwiSaver can help you get into your first home How KiwiSaver can help you get into your first home
Applying for a KiwiSaver hardship withdrawal Applying for a KiwiSaver hardship withdrawal
How to use Buy Now, Pay Later How to use Buy Now, Pay Later like Afterpay, Laybuy or Zip
Before borrowing What you really need to know before you use credit
How to get out of debt quickly How to get out of debt quickly
Credit reports How credit reports and scores work
Know your rights Know your rights
Pros and cons of debt consolidation Pros and cons of debt consolidation
Credit cards Credit cards
Car loans Car loans
Personal loans Personal loan
Hire purchase Interest-free deals and hire purchase
Student loans Student loans
Getting a fine What to do if you get a fine
What happens if I start to struggle with moni? What happens if I start to struggle with moni?
How to protect yourself from fraud and being scammed How to protect yourself from fraud and being scammed
About insurance How insurance works and how it can help
Insurance types Different types of insurance and what they protect
Insuring ourselves How life insurance works
Wills How to make a will
Enduring powers of attorney What an enduring power of attorney is and how to set up
Family trusts How family trusts work and why you'd set one up
Insuring our homes House insurance
Losing a partner Losing a partner and taking care of the financial issues
Redundancy What to do when you're made redundant
Separation Handling money in a divorce or separation
Serious diagnosis Managing your money after being diagnosed with a serious or terminal illness
How to cope with the aftermath of fraud How to cope with the aftermath of fraud
About NZ Super About NZ Super
This year's NZ Super rates NZ Super rates – How much is New Zealand Superannuation?
When you’re thinking of living in a retirement village When you’re thinking of living in a retirement village
How to plan, save and invest for retirement How to plan, save and invest for retirement
Manage your money in retirement Manage your money in retirement
Find housing options in retirement Find housing options in retirement
How to refinance your mortgage How to refinance your mortgage
How to save for a deposit How to save for a deposit and other costs when buying a home
Managing a mortgage How to manage your mortgage and pay off your home loan early
Mortgage types Different types of mortgages and how they work
Shopping for a mortgage How to find a good deal on your mortgage
How much can I borrow? Find out how much of a mortgage you could get
How KiwiSaver can help you get into your first home How KiwiSaver can help you get into your first home
Going flatting Going flatting
Your first job Your first job
Relationships and growing money together Relationships and growing money together
Planning for a family Planning for a family
Serious diagnosis Managing your money after being diagnosed with a serious or terminal illness
Losing a partner Losing a partner and taking care of the financial issues
Redundancy What to do when you're made redundant
Separation Handling money in a divorce or separation
Studying Budgeting money when you're studying

How to videos

How to get started investing video-play-icon
How do I get started investing?
How to use KiwiSaver for your first home How to use KiwiSaver for your first home
How to pay yourself first How to pay yourself first
How to get rid of debt How to get rid of debt
How compound interest works How compound interest works

All videos

MENU Blog
Four people are sitting down together at a skatepark

Browse our most popular topics

VIEW ALL
Investing Studying Budgeting Women KiwiSaver Managing debt COVID-19 Te Ao Māori Pasifika My Money Sorted
It’s the Christmas cash countdown: deck your money halls in 90 days
Budgeting
My Money Sorted: Christine
Budgeting
Building good money habits
Budgeting
How Te Ao Māori helps keep me on track with my money
Planning
How to have good money conversations
Budgeting
My Money Sorted: Pōtia-Ria
Budgeting
My Money Sorted: Tylan
Budgeting
Person is holding a can of food in the supermarket aisle and looking at the ingredient list.
#WTFinance is inflation on about?
WTFinance
circle MENU
About
Who's behind Sorted? Get in touch Terms & conditions Your privacy Website support
Resources
Help with the cost of living Just wondering In need of financial help Booklets Glossary Videos
Blogs
View all
Login abstract image background
Guides

Top Guides
for Planning & budgeting

Setting goals

Money tracking

Plan your spending with a budget

Getting advice

View all Planning & budgeting guides
Setting goals guide banner

Why money goals are important and how to set them

Here’s the first step to sorting our finances: working out where we want to be moneywise and what our priorities…
money tracking Live Sorted

How to track your money to create a budget and stick to it

Budgets help us plan where our money should be going, but it’s also important to track where our money actually…
How to start a budget guide banner

How to start a budget and why it's important

A budget (or money plan) is really just a simple plan for your spending.
getting advice Live Sorted

Find financial advice and support with money

Managing money can be challenging – not all of us have the skills to sort out the more complicated stuff.…

Filter guides

A woman is lying on a bed with her laptop and a notepad and pen Budgeting
Why money goals are important and how to set them

Here’s the first step to sorting our finances: working out where we want to be moneywise and what our priorities…
Budgeting
How to track your money to create a budget and stick to it

Budgets help us plan where our money should be going, but it’s also important to track where our money actually…
Two women are standing together outside and gardening. They are looking at each other and laughing. Budgeting
How to start a budget and why it's important

A budget (or money plan) is really just a simple plan for your spending.
Financial advice
Find financial advice and support with money

Managing money can be challenging – not all of us have the skills to sort out the more complicated stuff.…
Life event
Budgeting money when you're studying

Studying can be an investment in our future. Interest-free student loans seem like easy money, but borrowing too much could…
Getting ahead
I’d like to get better with money. Where do I start?

Being onto it with money helps you establish control over where you want to head in life, providing you with…
Getting ahead
What pūtea beliefs do you have?

It’s important to take a little bit of time to think about our relationship with money and what we believe…

6 steps to get sorted

Don’t know where to start? Our 6 steps will help you to take control of your money.

Head to the 6 steps
Get Sorted
Sort my... 6 steps to get your money sorted Tools Guides Blogs Glossary Help with the cost of living
More from Sorted
Sorted Smart Investor Sorted in Schools Te whai hua - kia ora! Sorted at Work
About
Who's behind Sorted Get in touch How our tools work Terms & conditions Your privacy Copyright statement Website help
Feeling stuck?
Get personalised help here.

© Office of the Retirement Commissioner