r/PersonalFinanceNZ is a subreddit with 143k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, looking for, money, investing, 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
: "Help I’m a 27 yr old wanting to buy my own little home"
5 posts
#2
Money Talk
: "Does buying a house make any financial sense anymore?"
3 posts
#3
Pain & Anger
: "I hate flatting, and doing the math, my expenses would be very similar if I buy an apartment building compared to renting alone. How unrealistic am I being?"
2 posts
#4
Opportunities
: "Would you leave a job you genuinely like for a better-paying opportunity?"
1 post
Popular Topics in r/PersonalFinanceNZ
#1
Struggling
16 posts
#2
Looking For
13 posts
#3
Money
: "Would you leave a job you genuinely like for a better-paying opportunity?"
10 posts
#4
Investing
: "I hate flatting, and doing the math, my expenses would be very similar if I buy an apartment building compared to renting alone. How unrealistic am I being?"
7 posts
#5
Nz
5 posts
#6
Mortgage
5 posts
#7
Investment
4 posts
#8
Property
4 posts
#9
Budgeting Apps
2 posts
#10
Apps
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
Housing
: "What happens to these poor souls?"
17 posts
#2
KiwiSaver
: "Simplicity are reducing their Kiwisaver and Investment fund fees on October 1, from 0.24% to 0.23%"
16 posts
#3
Investing
: "index fund portfolio returning more than 21.82% p.a. on average for 7 years."
15 posts
#4
Other
: "The purpose of money - Life, death & living"
12 posts
#5
Planning
: "I think I’m doing really well, and also I have a plan"
9 posts
#6
Credit
: "ASB removing offshore service margins from their credit cards"
5 posts
#7
Insurance
: "Another Southern Cross price increase"
4 posts
#8
Employment
: "How to Break Away From Work and Lifestyle Creep."
4 posts
#9
Taxes
: "Just found out I owe provisional tax while being a full time employee?"
4 posts
#10
Auto
: "The boring middle part"
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: September 6, 2026