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, kiwisaver, and investment, 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
: "How much do I need to be earning to comfortably own a house?"
28 posts
#2
Money Talk
: "FYI fixed mortgage rates increasing and deep dive on fixing in advance"
13 posts
#3
Solution Requests
: "Sharesies, Kernel, or other for a new investor?"
4 posts
#4
Pain & Anger
: "NZTA took money out of my account??"
4 posts
#5
Ideas
: "Kids Managed Fund"
1 post
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
Kiwisaver
: "Why I don't trust Kiwisaver"
13 posts
#5
Investment
: "Is a pool worth the Investment"
11 posts
#6
Investing
: "Investing outside NZ and ROW"
7 posts
#7
House
: "New House build - financing"
6 posts
#8
Credit Card
: "TSB moving cashback to $1 per $125 and capping at $60 per month"
6 posts
#9
Advice
: "30s plateau Advice?"
6 posts
#10
Worst
5 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
Housing
: "How much do I need to be earning to comfortably own a house?"
17 posts
#2
KiwiSaver
: "Why I don't trust Kiwisaver"
16 posts
#3
Investing
: "Started investing since May"
16 posts
#4
Other
: "Received bank transfer in error"
10 posts
#5
Saving
: "Saved 300k at 31. No assets, but no debt."
7 posts
#6
Employment
: "Salary Bands"
7 posts
#7
Credit
: "TSB moving cashback to $1 per $125 and capping at $60 per month"
5 posts
#8
Insurance
: "Insurance/Banking Financial Elder Abuse?"
5 posts
#9
Planning
: "23 and trying to build a good foundation but have no idea what I’m doing"
4 posts
#10
Budgeting
: "Trying to create a personal budget but have no idea what is reasonable to spend - how much do you spend weekly?"
4 posts
Member Growth in r/PersonalFinanceNZ
Yearly
+16k members(13.0%)
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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 6, 2026