Understand Your MoneySimply and for Free
One place to learn how to save and invest in New Zealand and work out what matters to you — your KiwiSaver, your home, your savings — without signing up, without paying anything and without jargon. All in New Zealand dollars (NZD).
NZD
Official Currency
8
Calculators for New Zealand
65
NZ Super Age
$0
Always Free
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Learn the Basics
Short, plain-English guides to saving, banks and financial planning in New Zealand — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays interest that changes over time. How the interest, RWT tax and the Depositor Compensation Scheme work — and when an on-call account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. How to work out your figure and how to build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in New Zealand dollars (NZD), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in New Zealand dollars.
Calculate →How Long to Save $10,000?
Work out how long it takes to reach any savings goal in dollars.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project your KiwiSaver and other saving that sits on top of NZ Superannuation.
Calculate →Mortgage Calculator
Compare a table loan and a reducing loan, with the deposit and legal costs.
Calculate →NZ Super Calculator
See when you can get NZ Superannuation, based on the age and residence rules.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for New Zealand?
- Save Money To Invest is a free platform of financial data and calculators. The New Zealand section brings together personal finance guides (savings accounts, KiwiSaver, credit cards) and financial calculators in New Zealand dollars (NZD). No sign-up or account is needed.
- Why are the calculators in New Zealand dollars?
- Because the New Zealand dollar is the currency here. All calculators and articles use dollars directly, with no currency conversion.
- What is NZ Superannuation and how does it relate to retirement age?
- NZ Superannuation is the government pension, paid from age 65 to people who meet the residence rules. It is not based on contributions and is not income-tested. KiwiSaver is the layer that builds an extra retirement income on top. See the NZ Super calculator and the dedicated article for the details.
- Is Save Money To Invest free in New Zealand?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.