BETTERMONEY

Know your money. All of it.

Free tools that build your complete financial picture. Start with your salary.

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Build your picture

Each tool adds to your financial portrait. No sign-up needed.

3.5%→4%
−$19/fortnight from your pay

KiwiSaver Rate Change Calculator

See how the April 2026 rate change affects your take-home pay

Calculate your impact
$847kprojected at 65

KiwiSaver Projection

Where will I be at 65?

See your projection
Top rate4.50%
Updated daily

Savings Rates

Compare NZ savings account rates. Updated daily. No sponsored placements.

Compare rates
Fee savings$12k
over your lifetime

KiwiSaver Compare

Find a better KiwiSaver fund. See the fee difference in dollars.

Compare funds

Mortgage Affordability

What can I actually borrow?

Check your borrowing power
Max borrow$620k
Repayment$1,840/mo

Keep learning

Guides picked for the time of year.

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First Home Buyer Guide NZ 2026

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How to Build an Emergency Fund in NZ

Life Events15 min read

Financial Planning for Couples in NZ

Credit & Debt16 min read

NZ Credit Cards Compared 2026

View all 55 guides