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 your PIR in New Zealand
Apply both income tests to each of the previous two years, choose the lower supported PIR and understand what happens when a provider uses another rate.
9 min read
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