Money, made understandable.
Worked examples and practical checks for your next calculation.
Five checks before relying on a salary estimate
Spot period, deduction and assumption errors before a number enters your budget.
Published 3 October 2026Read guide ↗
SavingsSavings growth: how much comes from deposits?
Separate money you contribute from illustrative compound growth.
Published 2 October 2026Read guide ↗
BorrowingTesting a mortgage budget at different interest rates
Compare repayment and total-interest scenarios without treating today’s input as a forecast.
Published 1 October 2026Read guide ↗
Working hoursMoving to part-time hours: compare gross pay and cash flow
Model a shorter working week without assuming every deduction falls proportionally.
Published 30 September 2026Read guide ↗
GSTGST-inclusive prices: why subtracting 15% does not work
Follow both directions of a GST calculation and spot an incorrect price conversion.
Published 29 September 2026Read guide ↗
BudgetingMonthly and fortnightly pay: build a budget that matches
Avoid confusing a fortnight with half a month when planning bills and savings.
Published 28 September 2026Read guide ↗
Salary decisionsComparing two job offers beyond the headline salary
Build a like-for-like comparison of net pay, hours and the costs of taking a job.
Published 27 September 2026Read guide ↗
KiwiSaverKiwiSaver and your take-home pay
Understand the difference between your contribution and your employer’s.
Published 26 September 2026Read guide ↗
Local rulesProperty decisions and inherited property in New Zealand
Separate mortgage cash flow from the tax questions that depend on your property’s history.
Published 26 September 2026Read guide ↗
Student loansStudent loan deductions, explained
The threshold, repayment rate and why a second job is different.
Published 26 September 2026Read guide ↗
Tax creditsCould you receive the IETC?
Check the conditions before including the independent earner tax credit.
Published 26 September 2026Read guide ↗
PAYE explainedWhere does your salary go?
A practical guide to income tax, ACC and your take-home pay.
Published 26 September 2026Read guide ↗