r/PersonalFinanceNZ is a subreddit with 145k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, looking for, investment, property, and nz, 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
: "$130k in savings - what to do with it?"
13 posts
#2
Money Talk
: "Banking Cheques in NZ"
8 posts
#3
Solution Requests
: "Which app do you use to buy stocks in NZ?"
1 post
#4
Opportunities
: "Proposing to switch to contracting instead of salaried, whilst travelling in many countries? Digital visas etc"
1 post
#5
News
: "Morningstar’s September quarter KiwiSaver numbers are out: a flat quarter, and a good reminder about bonds"
1 post
Popular Topics in r/PersonalFinanceNZ
#1
Struggling
15 posts
#2
Looking For
13 posts
#3
Investment
4 posts
#4
Property
4 posts
#5
Nz
2 posts
#6
Mortgage
2 posts
#7
App
2 posts
#8
Struggling To
2 posts
#9
Financially
2 posts
#10
Investing
2 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
: "Fun dive into The Curve Investments"
9 posts
#2
Other
: "Can someone explain this? Are these scammers, scammed by their son?"
6 posts
#3
Employment
: "Remote jobs NZ"
6 posts
#4
Housing
: "Keep our existing house as a rental or sell and upgrade? Looking for some financial perspective"
5 posts
#5
Saving
: "Revolut - now a NZ registered bank (as of 3 November 2026)"
4 posts
#6
Economy
: "ELI5: how are the governments meant to “fix” cost of living crisis?"
3 posts
#7
KiwiSaver
: "Milford Active Growth Fund. What's wrong with this fund!"
3 posts
#8
Auto
: "How can I optimize my savings rate?"
3 posts
#9
Taxes
: "PIE funds vs US ETFS"
3 posts
#10
Credit
: "Is Amex Airpoints Platinum still worth keeping after February 2027 changes? Annual spending around $22k"
2 posts
Member Growth in r/PersonalFinanceNZ
Yearly
+16k members(12.4%)
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Last updated: November 4, 2026