Guides
Plain-English answers on investing monthly, withdrawing sustainably, and what you keep after tax and retirement rules — plus emergency savings — for the US, UK, Australia, Canada, Singapore, Malaysia, New Zealand, the UAE, Ireland, Switzerland and Hong Kong.
New Zealand
Investing
How to calculate GST in New Zealand: add, remove and check 15% GST
Use the right formula for an exclusive or inclusive price, check the GST component and understand when a simple 15% calculation is not enough.
8 min read
New Zealand
Tax & pay
Term deposit vs PIE in New Zealand: compare what remains after tax
Work from the rate you were offered, apply RWT or PIR correctly, compare after-tax maturity values and confirm DCS protection for the exact product.
11 min read
New Zealand
Retirement
How to connect NZ Super, KiwiSaver and a retirement income target
Separate pre-65 bridge savings from KiwiSaver, use the correct NZ Super situation and test whether a weekly target survives a lower real return.
13 min read
New Zealand
Retirement
KiwiSaver contribution rates in 2026: what changed and what comes next
Follow the 3.5% employee and employer minimum, available rate choices, temporary reduction and scheduled 4% increase.
10 min read
New Zealand
Retirement
KiwiSaver ESCT and government contribution: the 2026 numbers
See why the gross employer percentage is not the amount invested and how the $260.72 government maximum is earned.
11 min read