Put a date on it

Goal Tracker makes it easy to keep an eye on your goals.

  • Log in to internet banking or your mobile app.

  • Click on the “Add a goal” tab when you’re viewing your account.

  • Enter your target amount and deadline, then select the type of goal.

  • Click on the “Set a goal” button.

For a detailed guide on good saving habits, check out sorted.org.nz.

Here’s a few more accounts and tools to make saving easy:

Fewer fees please

One of the easiest ways to save money can be to understand what banking fees you’re paying every month and figure out what you can do to avoid them. Check out our tips on how to avoid fees.


KiwiSaver is a simple and affordable way to save for your retirement. It’s voluntary but comes with a lot of great incentives to join up, including employer contributions and if you’re eligible, government contributions (note that availability of government contributions is set by legislation and could be changed or suspended at any time). It makes saving easier because the money you contribute comes directly out of your pay before you receive it.

Making a decision about joining a KiwiSaver scheme is an important one. As with any investment, it makes sense to do your homework and choose a scheme that best suits your individual needs.

  • Your money is generally locked in until you turn 65 (or for at least 5 years if you join after age 60).
  • If you’re employed you will have to contribute the minimum of 3% of your gross (before tax) wage or salary unless you are eligible for a Savings Suspension.
  • The return of your savings is not guaranteed, and the value of assets in your chosen fund can go up and down.

The Kiwi Wealth KiwiSaver Scheme, which we distribute, works in an open and transparent way, so you can go online, at any time, and know exactly where your money is invested and how it’s performing.

More on KiwiSaver:

Be ready for life’s hiccups

One of the first things you should think about saving is an emergency fund - enough to cover you for at least three months' expenses is a good amount.

Insurance can help protect you too. There are different options depending on your needs and circumstances - talk to our team to figure out what's best for you.


If a disaster happened, 45% of Kiwis only have enough saved to cover their expenses for a month.

Explaining underinsurance in New Zealand, Massey University 2011.

The different types of insurance we can arrange are:

Saving to buy a home

It’s the classic Kiwi dream, but it takes a fair bit of determination to get there. Whether you’re looking for your first home or wanting to refinance, we can help.

Handy tips for buying a new home:


Now you’ve got the basics covered, it’s time to grow your wealth.

Please note

This is intended as general information only. It does not take into account your financial situation and goals and is not personal advice. For advice about your particular circumstances please see a financial adviser, or make an appointment with a Kiwi Wealth Adviser. A disclosure statement required under the Financial Advisers Act 2008 is available, free of charge, from your Kiwi Wealth Adviser or on request by calling 0800 529 325.

Download the Product Disclosure Statement for the Kiwi Wealth KiwiSaver Scheme or pick up a copy from your local Kiwibank.

Kiwi Wealth Limited is the Issuer and Manager of the Kiwi Wealth KiwiSaver Scheme (the Scheme) and is a related company of Kiwibank Limited. Kiwibank is a distributor but is not an issuer of the Scheme. Investments made in the Scheme do not represent bank deposits or other liabilities of Kiwibank and neither they nor any other person guarantees the repayment of members’ interests in the Scheme or the payment of any earnings or returns on investment in the Scheme. Investments in the Scheme are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances and loss of investment value.

Download Kiwibank’s Disclosure Statement (PDF 474.3 KB) or pick up a copy at your local Kiwibank.