SEARCH
Menu
Search
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
Starting a family
Relationships
Going flatting
Studying
Your first job
Tool icon
Saving & investing Saving & investing
Net worth
How to save your money
How to start investing
Find a financial adviser to help you invest
Your investment profile
Compound interest
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
Tool icon
Protecting wealth Protecting wealth
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 protect yourself from fraud and being scammed
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
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
Starting a family Planning for a family
Relationships Relationships and growing money together
Going flatting Going flatting
Studying Budgeting money when you're studying
Your first job Your first job
Net worth How to work out your net worth and what it means
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
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
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 protect yourself from fraud and being scammed How to protect yourself from fraud and being scammed
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, pay it off and make it work for you
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

Life events...

Separation Handling money in a divorce or separation
Redundancy What to do when you're made redundant
Losing a partner Losing a partner and taking care of the financial issues
Your first job Your first job
Studying Budgeting money when you're studying
Going flatting Going flatting
Relationships Relationships and growing money together
Starting a family Planning for a family
Serious diagnosis Managing your money after being diagnosed with a serious or terminal illness
MENU Blog
Sorted blog banner M 1280 Mar 2021

Browse our most popular topics

VIEW ALL
Investing Studying Budgeting Women KiwiSaver Managing debt COVID-19 Te Ao Māori Pasifika My Money Sorted
Person is holding a can of food in the supermarket aisle and looking at the ingredient list.
#WTFinance is inflation on about?
WTFinance
Woman sitting on couch with a blanket and holding a mug laughing
Power bill hacks that put money back into your pocket
Person is holding up their mobile phone looking at it and pointing at the screen
How to stay safe as scams get smarter
Scam alert
Person looking at their phone while standing in a shop
‘Deinfluencing’ – the TikTok trend helping you spend less
Budgeting
Couple are dancing in the kitchen and looking at each other laughing
How to deal with rising mortgage rates
Ruth from the Happy Saver is pictured in a forest with a dog
My Money Sorted: Ruth
My Money Sorted
How your insurance can help after the cyclone and flood
Insurance
This is what good advice looks like
Financial advice
circle MENU
About
Who's behind Sorted? Get in touch Terms & conditions Your privacy
Learning
Sorted in Schools Sorted at Work
Resources
Booklets Glossary Guides Help
Even more
Help with the cost of living Just wondering Now we're talking In need of financial help?
Guides

Top Guides
for Planning & budgeting

Setting goals

Money tracking

Plan your spending with a budget

Getting advice

View all Planning & budgeting guides

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…

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 and why it's important

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

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

Girl running holding a rugby ball about to be tackled Planning and 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…
Planning and 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…
Planning and 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
Planning for a family

Finding out we’ve got a little bundle of joy on the way is an exciting milestone! A new arrival is…
Smiling young man piggy-backing smiling partner in shallow waves at the beach Life event
Relationships and growing money together

Being in a relationship brings new opportunities to build wealth that we wouldn’t have on our own. Moving in together…
Life event
Going flatting

Sharing a flat is a big step towards being independent, but it also means we have to get used to…
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…
Life event
Your first job

One of the best things about starting work is the freedom that comes with earning our own money! It’s a…

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
6 steps to get your money sorted Tools and calculators Why talk about money? Help with the cost of living
More
Booklets Guides Help Glossary How our tools work
About
Who's behind Sorted? Get in touch
Sorted
Sorted Smart Investor Sorted in Schools Te whai hua - kia ora! Sorted at Work
Legal
Terms & conditions Your privacy Knowing your rights Copyright statement
Feeling stuck?
Get personalised help here.

© Office of the Retirement Commissioner