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Better off hub

Better off looks different for every Kiwi. This is your place to find tools, guides and practical ways to get on top of your money, deal with debt, plan ahead and stay in control.

Guides to build your money confidence

Set yourself up

Take control of your financial future
Saving & investing

Grow your money over time
Borrowing & debt

Improve your financial wellbeing
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Better your bucks

Ever wonder if your money could be working harder for you? Take a few minutes to uncover smarter ways to move forward and get better off.

Take the challenge

Tools & calculators to get better off

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Goal tracker

Saving for a holiday, a rainy day or a house deposit? Set a target and track your progress in the mobile app.

Set a goal

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First home buyer calculator

Get an estimate of what you could borrow for your first home and test different repayment options.

Try the calculator

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Repayments & structuring calculator

Explore ways to structure your home loan and see what could work for you.

Explore repayment options

Help & resources

Help with day‑to‑day banking

Step-by-step guides to help you use online banking with confidence. From finding your access number and resetting your internet banking password to making payments.

Explore Help hub

When money feels tight

Understand your options and explore steps that could work for you to get through a rough financial patch.

See your options

Become a scammer's nightmare

Learn how to spot warning signs, test your scam defences and keep your money safer.

Test your defences

This page provides general information and isn't intended as regulated financial advice. To review your specific situation and financial requirements please talk to one of our Kiwibank Representatives or your Financial Adviser.