BETTERMONEY — AOTEAROA NEW ZEALAND

Free tools
for better money habits

Plain-English calculators, daily savings rates, and guides that don't lecture. Free, always. Independent. Built for Aotearoa, for every stage of your money journey.

Start with PAYE 9 free tools

PAYE result · demoDEMO

Gross salary$95,000

PAYE−$20,920

ACC earner levy−$1,378

KiwiSaver (3%)−$2,850

Take-home, annual

$0/yr

$1,343 per week · top 22.6% of NZ earners

Free, alwaysIndependent

SECTION 02 — TOOLS

9 tools, built for one journey.

The first tools everyone runs are quick: take-home pay, savings rate comparisons, KiwiSaver. The slower tools — mortgage, retirement projection — pay attention without the volume.

PAYE Calculator

Take-home pay after tax, ACC, KiwiSaver, and student loan. The first tool everyone runs.

KiwiSaver Rate Change

What 3.5% in April 2026 (and 4% in 2028) actually means for your take-home and your retirement.

Savings Rate Finder

Daily-refreshed deposit rates from across NZ banks and PIE funds. Sorted by what your money would earn.

KiwiSaver Compare

See returns, fees, and risk side-by-side across major NZ KiwiSaver funds. No 'best' framing.

KiwiSaver Projection

Your projected balance at 65, with fund comparison and the 30-year cost of fees.

Mortgage Affordability

Borrowing power under the new DTI rules. Repayments, LVR, and KiwiSaver first-home withdrawal.

See every tool

SECTION 03 — GUIDES

Plain-English guides. No jargon, no upsell.

40+ guides covering tax, KiwiSaver, mortgage, investing — and a new Business strand for sole traders, LTCs, and small companies.

Tax · Guide18 min read

NZ income tax, decoded.

How PAYE brackets, tax codes, RWT, PIR, and tax credits actually work — with worked examples on a real NZ pay packet. Every line on your payslip, explained.

KiwiSaver15 min read