r/PersonalFinanceNZ is a subreddit with 140k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses investment, kiwisaver, tax, mortgage, and struggling, 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
: "Doing well in London but my partner would struggle here - thinking to move back to NZ or ride it out?"
32 posts
#2
Money Talk
: "Is my budgeting okay?"
5 posts
#3
Pain & Anger
: "When does the feeling of financial insecurity go away?"
4 posts
#4
Solution Requests
: "Contracting out agreement options"
2 posts
Popular Topics in r/PersonalFinanceNZ
#1
Investment
: "I did it! Over 100K equity in my first home- bought it age 53, 20 months ago. Borrowed $335K. $400K home- approx value now $410K"
48 posts
#2
Kiwisaver
: "Latest data on Kiwisaver balances by age from the Retirement Commission Report (May 2026)"
39 posts
#3
Tax
: "The investment Tax hack Sir Michael Cullen probably never meant to give us"
39 posts
#4
Mortgage
: "Mortgage Term Selection - A 20 Year Review."
29 posts
#5
Struggling
27 posts
#6
Property
: "Substantial drop in average asking prices on Trade Me Property over the last three months"
26 posts
#7
Investing
: "Kernel Investing"
24 posts
#8
Advice
: "Seeking Advice for parent's financial situation"
22 posts
#9
Looking For
13 posts
#10
Finance
: "NZ job market in Finance"
13 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
: "FYI - The FIF de minimis threshold increase from $50k to $100k is only a budget proposal, it is not enacted into law."
15 posts
#2
Housing
: "should I sell my NZ house to study in London or stay in NZ for uni?"
15 posts
#3
Other
: "How are so many people earning over $100k?"
9 posts
#4
KiwiSaver
: "Latest data on KiwiSaver balances by age from the Retirement Commission Report (May 2026)"
8 posts
#5
Taxes
: "Are gambling winnings really tax free or am I missing something?"
7 posts
#6
Budgeting
: "Need help. Unreasonable, embarrassing debt."
7 posts
#7
Saving
: "What to do with part-time savings at 16"
5 posts
#8
Employment
: "The Kiwis moving to Australia unprepared and ending up in crisis"
4 posts
#9
Planning
: "update: i was laid off."
4 posts
#10
FHB
: "Substantial drop in average asking prices on Trade Me Property over the last three months"
3 posts
Member Growth in r/PersonalFinanceNZ
Yearly
+16k members(13.2%)
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Last updated: June 18, 2026