🕊️ Financial Planning

NZ Superannuation: age, residence rules and how much you get

NZ Super is paid from age 65 to eligible residents — it is not based on contributions. How the residence test works, the rates, and how it fits with KiwiSaver.

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.

Financial independence: how to calculate your number

Financial independence means your investment returns cover your spending. How to use the 4% rule, how much your savings rate matters, and how to account for tax and NZ Super.

How income tax, PAYE and ACC levies work in New Zealand

The tax brackets, PAYE, RWT on interest, the ACC earners' levy and KiwiSaver deductions — an overview of what comes out of your pay and what you can claim.

KiwiSaver explained: contributions, funds and withdrawals

KiwiSaver is New Zealand's main retirement savings scheme. How the employee, employer and government contributions work, how to choose a fund, and when you can take the money out.

Jobseeker Support: what happens if you lose your job

New Zealand has no contributory unemployment insurance. Jobseeker Support from Work and Income is means-tested. How it works, how much it pays, and why an emergency fund matters more here.