Articles, guides and tools

Delve deeper into financial wellbeing, with topics like money-saving hacks, when borrowing may suit you, and how to talk about money with your whānau.

In this section

Top tip

To help you save or reduce debt, try paying yourself first. This means setting up regular payments each payday to move money into your savings or loan repayments.

It's a good way to make sure your money goes where it'll benefit you most.

Related tools

Budget calculator

Plan your spending and saving with our budget calculator. Plug in your after-tax income and main expenses to create a budget that works for you.

Savings goal calculator

Use this calculator to work out how much money you need to save weekly, monthly or each year to reach your savings goal.

Savings growth calculator

See how much your savings will grow over time as you make regular payments and earn interest. 

Which saver personality type are you?

Take this nine-question quiz to find out if you’re a Spender, Striver or All-Rounder.

1. Download the Saver Personality Type Quiz (PDF 420KB).

2. Open the PDF in a desktop app, like Adobe, Javelin or Foxit (Note: if the PDF opens in your web browser, select ‘Open in desktop app’ to make sure the quiz can calculate your score correctly).

3. Complete the questions to find out your personality type.