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Create a personalised saving plan – start here:
It's never too early (or too late) to start saving for your future.
Taking small steps now can lead to big rewards down the road. Have a look at the guides, tools and videos on this page to make your plan and kickstart your journey to financial freedom.
Savings calculator
Are you saving a bit at a time, or for a goal? This tool lets you see how quickly your savings can add up, especially with the power of compound interest.
Top money hacks
- If you’re saving for goals other than a first home or retirement, most KiwiSaver providers offer non-KiwiSaver funds that are basically the same, without all the rules.
- Shop around for the right fund for you with the investment mix you want, and compare funds to make sure the fees seem reasonable.
- How you invest should be mostly driven by how soon you’ll need to use the money, and how comfortable you are with risking it.
Recommended for you
Here are some key guides, tools and blogs to help you sort your saving.
Guide
How to save your money
Saving powers you towards your goals. The key to a good saving habit is being able to save regularly from every pay.
Guide
How to start investing
Want to get set up for the future? Investing is a great place to start. It's a long-term game, so you’ll want to get strategic before you commit your cash.
Guide
How compound interest can help your money grow
Did you know Einstein called compound interest the ‘eighth wonder of the world’? It’s when we earn interest on both the money we’ve saved and the interest it earns.
Video
Make your money make money – it’s all about compounding interest
Here's how to compound your money and grow it over the long term. Watch this video to find out how compounding can supercharge your savings over time.
Guide
Find a financial adviser to help you invest
Financial advisers can help you with investing, KiwiSaver and planning. It pays to shop around for the right one, and remember they must be licensed and treat you ethically.
Guide
Types of investments
There are many kinds of investments out there, each with its own level of risk and return. Which investments suit your goals?
Guide
Saving in term deposits
Term deposits are a great place for short-term savings or goals. There’s little chance of losing money, but there’s not much chance of growth, either.
Guide
Investing in bonds
Bonds can typically be a good option for steady income. You’re lending money to a government, council or company, so they’re generally less risky than shares.
Tool
Money personality quiz
Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.
Guide
Investing in funds
Funds make investing simple, because we don’t need to research individual companies. The money is spread across different investments, so all our eggs aren’t in one basket.
Guide
Investing in shares
Buying a share means purchasing a slice of a company and ‘sharing’ in any profit they make. Shares are some of the riskiest investments, but also one of the best ways to grow money over the long term.
Guide
Investing in property
Property is a popular form of investment in New Zealand, but it usually involves a fair bit of work. If you're after a lower maintenance option, you can invest in funds that hold commercial property.
Tool
Build your investor profile
To be successful with investing, it helps to know what type of investor you are, the right mix of investments for you, and what results you can expect.
Blog
Your financial superpower: long-term thinking
If you’re already thinking about your financial future, go you! You’re already on your way to developing a key money strength.
Blog
Harnessing compound interest
Victoria Harris shares how keeping focused on her long-term money goals helps her stay on track.
Your new favourite podcast
Sorted joins Kiwi dads Jordan River, Brooke Ruscoe and Marc Peard of New Zealand’s ever-popular podcast, The Morning Shift, for Sussed. Sorted. Shifting. Tune in to be empowered to take action and shift your position.
Set your direction with goals
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Run your retirement number
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Feeling stuck?
Flick a question to the Sorted team, or reach out to MoneyTalks on 0800 345 123 for personalised help.
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