r/PersonalFinanceNZ is a subreddit with 142k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, looking for, mortgage, investment, and house, and they frequently recommend/review appliances, budgeting apps, and engagement ring.
A place to discuss personal finance for New Zealanders. Discuss savings, investments, KiwiSaver, debt management, home loans, student loans, insurance, and anything else personal finance-related.
Popular Themes in r/PersonalFinanceNZ
#1
Advice Requests
: "Should I declare bankruptcy?"
24 posts
#2
Money Talk
: "FYI fixed mortgage rates increasing and deep dive on fixing in advance"
13 posts
#3
Pain & Anger
: "Revolut NZ has left an essential banking service broken for over 48 hours with almost no communication"
5 posts
#4
Solution Requests
: "Broadband providers recommendation?"
2 posts
Popular Topics in r/PersonalFinanceNZ
#1
Struggling
16 posts
#2
Looking For
13 posts
#3
Mortgage
: "FYI fixed Mortgage rates increasing and deep dive on fixing in advance"
13 posts
#4
Investment
: "Is a pool worth the Investment"
11 posts
#5
House
: "New House build - financing"
6 posts
#6
Advice
: "30s plateau Advice?"
6 posts
#7
Kiwisaver
: "Why I don't trust Kiwisaver"
5 posts
#8
Property
4 posts
#9
Financing
: "New house build - Financing"
4 posts
#10
Credit Card
: "TSB moving cashback to $1 per $125 and capping at $60 per month"
4 posts
Products Discussed in r/PersonalFinanceNZ
Appliances
25 reviews
#1
Bosch
4.6★ from 7 reviews
#2
Fisher & Paykel
5.0★ from 6 reviews
#3
AEG
4.5★ from 2 reviews
Budgeting Apps
21 reviews
#1
YNAB
4.2★ from 5 reviews
#2
PocketSmith
3.8★ from 4 reviews
#3
Ledger
3.0★ from 1 review
Engagement Ring
20 reviews
#1
Diamonds on Richmond
3.5★ from 2 reviews
#2
Filigree
5.0★ from 1 review
#3
Tiffany & Co.
4.0★ from 1 review
Flair Used in r/PersonalFinanceNZ
#1
Investing
: "index fund portfolio returning more than 21.82% p.a. on average for 7 years."
17 posts
#2
Other
: "The purpose of money - Life, death & living"
15 posts
#3
KiwiSaver
: "Why I don't trust Kiwisaver"
15 posts
#4
Housing
: "$30 an hour $300 for rent"
10 posts
#5
Taxes
: "Won big jackpot, found out I gotta give nearly 45% to the USA"
8 posts
#6
Planning
: "23 and trying to build a good foundation but have no idea what I’m doing"
5 posts
#7
Insurance
: "Another Southern Cross price increase"
4 posts
#8
Budgeting
: "Trying to create a personal budget but have no idea what is reasonable to spend - how much do you spend weekly?"
4 posts
#9
Credit
: "ASB removing offshore service margins from their credit cards"
3 posts
#10
Employment
: "Salary Bands"
3 posts
Member Growth in r/PersonalFinanceNZ
Yearly
+16k members(12.9%)
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About
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This page gives a focused view of r/PersonalFinanceNZ, including current member size, discussion patterns, product reviews, and related communities to explore.
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Last updated: August 15, 2026