Free Guides

NZ Money Guides

Plain-English explainers on tax, mortgages, KiwiSaver and property investment in New Zealand — each paired with a free calculator so you can run your own numbers.

How PAYE & Take-Home Pay Work in NZ

Tax brackets, ACC levy, KiwiSaver deductions, student loan repayments and the IETC — and what they actually mean for your pay packet.

Split Loan Mortgage Strategy in NZ

Why Kiwi borrowers split mortgages across fixed terms, how refixing works, and how extra repayments change your payoff date.

How to Read Your Business's Financial Ratios

A practical walkthrough of profitability, liquidity, solvency and efficiency ratios — and how to judge them against real NZ benchmarks.

KiwiSaver Contribution Rates Explained

Employee and employer contribution rates, the government contribution, and how fund type quietly makes the biggest difference of all.

Rental Yield & Cash Flow for NZ Investors

Gross vs net yield, interest-only vs P&I, and the tax rules — interest deductibility, loss ring-fencing, bright-line — that shape the numbers.