Get me to my goal

Most goals take money, and saving is typically the first important step to get there. Having a good savings habit can help you build an emergency fund, shed your debt, eventually even buy your home. More saving gives you more options – like having freedom for time with whānau or doing what you love. Explore the resources on this page and use our goal planner to turn your dreams into reality.

Goal planner

Saving for a place to call home or a holiday in the tropics? Tracking your goals can be a great way to get there – use this tool to get started.

Start now

Top money hacks

Automate your saving as much as possible by setting up automatic payments to a separate goal account shortly after each time you’re paid. Pay yourself first!
Even smallish amounts saved regularly add up over time surprisingly.
To get really radical, lock down your spending by using cash, then take that extra money saved and funnel it towards your goal instead.

Recommended for you

Here are some key guides, tools and blogs to help you sort your saving.

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Time to complete: 5 minutes

Savings calculator

Small steps can make a big difference over time. See how quickly your savings can add up, especially with the power of compound interest.

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Reading time: 10 minutes

How to save your money

Saving can be the key to unlocking your financial goals, but it's not always easy to stick to a plan. Set yourself up for success with hacks like automation and paying yourself first.

A man and woman are standing together in a garage holding up painting supplies and smiling

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Reading time: 20 minutes

How to start investing

Investing can make our money work so much harder for us, especially if we’re saving for a long-term goal. Sound intimidating? It’s really not.

A woman is sitting at a cafe table typing on her laptop with a coffee and pastry to the side.

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Build your investor profile

To be successful with investing, it helps to know what type of investor you are, the right mix of investments for you, and what results you can expect.

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Reading time: 4 minutes

How compound interest can help your money grow

Did you know Einstein called compound interest the ‘eighth wonder of the world’? It’s when you earn interest on both the money you’ve saved and the interest it earns.

Young man and two kids dressed up in wet weather gear, sitting on the couch fishing for paper fish

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Reading time: 4 minutes

Why money goals are important and how to set them

Struggling to get where you want to be? It’s helpful to make sure your goals are specific and realistic, and write them down.

A woman is lying on a bed with her laptop and a notepad and pen

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Reading time: 10 minutes

How to save to buy a home

Getting into a first home takes careful planning and, for most of us, serious saving! It helps to break it down into steps.

Multi-generational family enjoying singing, playing ukelele and dancing together in a living room

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Reading time: 4 minutes

Setting a money habit? Here's how to make the good ones stick

What habits could be helping or hindering you from reaching your goals? Understanding how they work can help us hack our own habits.

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Reading time: 4 minutes

Putting off the now… for later

Hidden Figure$ shares how a delayed gratification mindset has helped them achieve their goals.

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Reading time: 5 minutes

Juggling family goals

Read how Morgan juggles her saving goals with a busy family life.

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Reading time: 4 minutes

Spending isn’t all bad

To homeowner Ravi, spending isn’t always a bad thing. Especially if it is the goal being achieved after a lot of saving.

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Time to complete: 5 minutes

Money personality quiz

Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.