Terms of Use

Effective date: 29 March 2026

These terms govern your use of Better Money (bettermoney.co.nz), operated by Colere Labs. By using this site, you agree to these terms.

What Better Money provides

Better Money is a free financial education platform. We provide:

• Calculators that estimate your take-home pay, KiwiSaver projections, and other financial scenarios based on publicly available NZ tax rates and rules
• Guides that explain financial topics in plain English
• Comparisons that present publicly available information about financial products

What Better Money does not provide

Neither Better Money nor Colere Labs is a Financial Advice Provider under the Financial Markets Conduct Act 2013, and neither provides regulated financial advice. Nothing on this site constitutes personalised financial, tax, legal, or investment advice. The information and tools are educational only.

Our calculators produce estimates based on general NZ tax rules. Your actual tax, take-home pay, KiwiSaver contributions, and other figures may differ due to:

• Employer-specific payroll rounding and table-based PAYE calculations
• Variable income, bonuses, overtime, or irregular payments
• Secondary tax codes
• Individual circumstances not captured by the calculator
• Changes to tax rates, thresholds, or legislation after the content was published

Always verify important financial decisions with a qualified professional — a licensed financial adviser, tax agent, or accountant.

Investment risk warning

Our KiwiSaver projection tools show estimated future balances based on historical average returns. These projections are illustrative only.

• KiwiSaver fund values can go down as well as up. You may get back less than you invest.
• Past performance is not a reliable indicator of future returns.
• Projections do not account for all fees, taxes, or market conditions that may apply.
• The actual returns of your KiwiSaver fund will differ from the assumed rates used in our projections.

Calculator accuracy

We use official IRD tax rates, ACC levy rates, and KiwiSaver rules current at the time of publication. Tax rates are sourced from Inland Revenue (ird.govt.nz). ACC rates are sourced from ACC. KiwiSaver rules are sourced from IRD and the KiwiSaver Act 2006. We update these when rates change, but there may be a delay between a rate change and our update.

Calculator results are estimates. Annual figures are calculated using standard formulas; per-period amounts (weekly, fortnightly, monthly) may differ from your payslip due to rounding differences between our formula-based approach and the PAYE table-based approach used by most payroll software.

We do not guarantee the accuracy, completeness, or timeliness of any calculation or content.

Guide and comparison content

Our guides and comparisons are based on publicly available information from sources including IRD, ACC, Kainga Ora, KiwiSaver providers, banks, and other financial institutions. We cite our sources and update content periodically.

Better Money does not receive affiliate commissions, referral fees, or payments from any financial product provider for placement or favourable treatment in our calculators or tools. If we publish sponsored content, we will disclose it clearly.

Product information (rates, fees, eligibility criteria) changes frequently. Check the provider's website directly before making decisions based on our comparisons.

Your use of the site

You agree to:

• Use the site for personal, non-commercial purposes
• Not scrape, copy, or reproduce our content in bulk without permission
• Not attempt to interfere with the site's operation or security
• Not use the site in any way that is unlawful or fraudulent

Intellectual property

All content on Better Money — including text, calculators, code, design, and branding — is owned by Colere Labs or its licensors. You may share links to our content and quote reasonable excerpts with attribution.

AI-generated content

Some content on Better Money uses AI-assisted tools during the drafting process. All content is reviewed and edited by humans before publication. AI-generated insights within the PAYE calculator are clearly labelled as educational and AI-generated.

Third-party links

Our content may link to external websites (IRD, KiwiSaver providers, banks, etc.). We are not responsible for the content, accuracy, or availability of external sites.

Limitation of liability

To the maximum extent permitted by New Zealand law, Better Money, Colere Labs, and their operators shall not be liable for any loss, damage, or expense arising from:

• Your use of or reliance on our calculators, guides, or comparisons
• Errors or omissions in our content or calculations
• Decisions made based on information provided on this site
• Interruptions or errors in site availability

Changes to these terms

We may update these terms from time to time. The effective date at the top of this page indicates when the terms were last updated. Continued use of the site after changes constitutes acceptance of the updated terms.

Governing law

These terms are governed by the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

Contact

If you have questions about these terms, contact us at hello@bettermoney.co.nz.