r/PersonalFinanceNZ is a subreddit with 139k members. The most common kinds of discussions are advice requests and pain & anger, and the community frequently discusses investment, tax, kiwisaver, property, and investing, 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
: "The current state of NZ investing & the Sharesies mob"
26 posts
#2
Pain & Anger
: "Life is so sad. After working hard to pay off mortgage. You have to save for retirement. When will it end?"
5 posts
#3
Money Talk
: "Is my budgeting okay?"
5 posts
#4
Solution Requests
: "Contracting out agreement options"
1 post
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"
51 posts
#2
Tax
: "The investment Tax hack Sir Michael Cullen probably never meant to give us"
42 posts
#3
Kiwisaver
: "Latest data on Kiwisaver balances by age from the Retirement Commission Report (May 2026)"
39 posts
#4
Property
: "Substantial drop in average asking prices on Trade Me Property over the last three months"
33 posts
#5
Investing
: "Started Investing 200nzd each month"
29 posts
#6
Struggling
28 posts
#7
Mortgage
: "Mortgage Term Selection - A 20 Year Review."
26 posts
#8
Advice
: "Seeking Advice for parent's financial situation"
23 posts
#9
Looking For
13 posts
#10
Retirement
: "Life is so sad. After working hard to pay off mortgage. You have to save for Retirement. When will it end?"
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."
19 posts
#2
Housing
: "should I sell my NZ house to study in London or stay in NZ for uni?"
14 posts
#3
KiwiSaver
: "Latest data on KiwiSaver balances by age from the Retirement Commission Report (May 2026)"
8 posts
#4
Other
: "How are so many people earning over $100k?"
7 posts
#5
Taxes
: "Are gambling winnings really tax free or am I missing something?"
7 posts
#6
Budgeting
: "Need help. Unreasonable, embarrassing debt."
6 posts
#7
Employment
: "The Kiwis moving to Australia unprepared and ending up in crisis"
4 posts
#8
Planning
: "update: i was laid off."
4 posts
#9
Credit
: "I'd like to see something like this provided by Inland Revenue."
3 posts
#10
Saving
: "What to do with part-time savings at 16"
3 posts
Member Growth in r/PersonalFinanceNZ
Yearly
+16k members(13.4%)
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Last updated: June 11, 2026