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
Serious diagnosis
How to cope with the aftermath of fraud
Separation
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
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
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
Separation Dividing assets fairly when you’re going through separation and divorce
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
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
8 ways to hack Christmas when you’re stretching the budget
8 ways to hack Christmas when you’re stretching the budget
Christmas
6 ways to shop smarter this Black Friday
Budgeting
My Money Sorted: Laura
Women
Heaps of KiwiSaver choices abound, but just because you can – doesn’t mean you should
KiwiSaver
Invest for impact: how to leave this world better than we found it
Investing
Top tips for shopping online
Money tips
It’s the Christmas cash countdown: deck your money halls in 90 days
Budgeting
My Money Sorted: Christine
Budgeting
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 Saving & investing

Net worth

How to save your money

How to start investing

Find a financial adviser to help you invest

View all Saving & investing guides
6net worth

How to work out your net worth and what it means

Simply put, net worth is the difference between the value of what we own and the total amount that we…
How to save guide banner

How to save your money

One of the best habits we can get into is “paying ourselves first” and making it automatic. The more we…
How to start investing guide banner

How to start investing

Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of…
1Investment advice Live Sorted

Find a financial adviser to help you invest

Not just anyone can call themselves a financial adviser. They have to meet a certain standard of competence and put…

Filter guides

Getting ahead
How to work out your net worth and what it means

Simply put, net worth is the difference between the value of what we own and the total amount that we…
A man and woman are standing together in a garage holding up painting supplies and smiling Saving
How to save your money

One of the best habits we can get into is “paying ourselves first” and making it automatic. The more we…
A woman is sitting at a cafe table typing on her laptop with a coffee and pastry to the side. Investing
How to start investing

Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of…
Investing
Find a financial adviser to help you invest

Not just anyone can call themselves a financial adviser. They have to meet a certain standard of competence and put…
Young woman selecting fruit from a colourful market display Investing
Your investment profile

To be successful with investing, it’s important to figure out what type of investor we are, which is sometimes called…
Young man and two kids dressed up in wet weather gear, sitting on the couch fishing for paper fish Saving
Learn how compound interest can help your money grow

Einstein called it the ‘eighth wonder of the world’. He was talking about compound interest, which supercharges our savings and…
Investing
Types of investments

Investing is the best way to grow wealth and get our money working for us – but how? There are…
Young mother and daugher inspecting seeds while gardening Saving
Term deposits

Savings accounts and term deposits with a bank, credit union or building society are convenient for saving.
Young smiling boy holding a basketball on his head with smiling dad next to him taking a selfie of them both. Investing
Bonds

When we buy a bond, we’re lending money to a government, council or company.
Young woman selecting fruit from a supermarket display that is full of colourful options. Investing
Investment funds

Instead of investing directly and doing it all ourselves, we can invest in a managed fund where our money is…
Investing
Shares

When we buy a share, we're buying a small part of a company and a share in any profit the…
Young person facing a home in front of them Investing
Property investment

Lots of New Zealanders own rental property – it has been a popular form of investment over the years. The…
How not to invest in cryptocurrency

At Sorted, we’re keen to see you getting ahead financially and growing your money for the long term. Now generally,…

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