Independent NZ comparisons across trades, services, and financial products.
Clear information to help Kiwis make confident, informed decisions.
Expert-curated comparisons, guides, and tools to help Kiwis make smarter financial decisions.
Thousands of Kiwis rely on ValueHub every month to compare financial products, find trusted local services, and make smarter money decisions. Here's how we help:
We started ValueHub because finding clear, unbiased financial information in New Zealand was harder than it should be. Everything on this site — every guide, comparison, and calculator — is here to help you make better choices with your money. No catch, no upsell, just straight-up useful information.— The ValueHub Team
Featured Articles
Hand-picked articles our team thinks every Kiwi should read.
Financial Adviser Fees in New Zealand
Every licensed financial advice provider in New Zealand, with the fees each one publishes for hourly, fixed-fee and percentage advice.
Government Benefits and Unclaimed Money in New Zealand
Every government benefit, subsidy and tax credit a New Zealander can claim, with verified 2026 figures, income thresholds and where to apply.
Power Saving Tips: The Complete NZ Guide
NZ power saving guide covering pricing plans, time-of-use strategies, appliance-ranked savings, DIY upgrades, solar economics, and what NOT to waste money on.
Featured Guides
Hand-picked guides our team thinks every Kiwi should read.
House Insurance in New Zealand: What You Pay and What You Get
House insurance in New Zealand explained: what two levies add to every premium, what NHCover actually pays, and the four limits that decide a claim.
Best EVs in NZ: Costs, Charging & Buying Guide
Compare the best EV cars in NZ for 2026 — prices, real-world range, charging costs, RUC, and which models suit Kiwi roads. Updated monthly.
Solar Power For Homes: A Complete Guide to Solar Panels in New Zealand
What solar panels cost in NZ, how to verify an installer's credentials, the bank green loans worth knowing about, and what a realistic payback period actually looks like.
Current Mortgage Rates
Compare rates from every major NZ lender — updated daily
Term Deposit Rates
Find the best return on your savings — updated daily
NZX Bond Rates
Current yields on all NZX-listed bonds — updated daily
KiwiSaver Fund Comparison
Compare fees, returns, and risk levels across KiwiSaver funds — with figures taken from the Government's Disclose Register
Mortgage Repayment
Work out your weekly, fortnightly or monthly payments
Compound Interest
See how your savings grow over time with compounding
Compare Financial Products
Side-by-side comparisons of NZ's leading financial products and services.
Banking & Savings
Compare NZ bank accounts, savings accounts, and term deposits. Find the best interest rates, lowest fees, and features for your money.
Budgeting
Practical NZ budgeting tips, tools, and guides to help you save money, reduce debt, and build financial security. Free calculators and step-by-step plans.
Credit & Loans
Compare credit cards, personal loans, car finance, and BNPL services in NZ. Interest rates, fees, and eligibility explained in plain English.
Hiring Guides
How to find, vet, and hire trusted service professionals across New Zealand. Compare quotes, check credentials, and avoid costly mistakes.
Insurance
Compare car, home, life, health, travel, and pet insurance in New Zealand. Side-by-side policy comparisons, premiums, and excess breakdowns.
Investing
Compare NZ investing platforms, ETFs, managed funds, and shares. Find the best broker or robo-advisor for your investment style and budget.
KiwiSaver
Compare every KiwiSaver provider and fund type in New Zealand. Returns, fees, risk levels, and ethical options all compared in one place.
Property & Mortgages
Compare mortgage rates, first home buyer guides, refinancing, and property investment in New Zealand. Everything you need to make better property decisions.
Real Estate
Compare real estate agents, agency fees, and property services in New Zealand. Commission rates, marketing costs, and what to expect when selling your home.
Tax
Understand tax in New Zealand - income tax brackets, PAYE, GST, KiwiSaver tax, student loans and property tax. Plain-English guides and free calculators.
Utilities
Compare broadband, power, and mobile plans in New Zealand. Find the cheapest electricity, fastest internet, and best value mobile deals for your household.
Latest Guides & Reviews
Expert-curated comparisons and guides for Kiwis.
GST in New Zealand — The Complete Guide
How GST works in New Zealand: the 15 per cent rate, the $60,000 registration threshold, what is exempt, filing dates and what you can claim back.
The New Zealand Student Loan Scheme — The Numbers
Student loan numbers from official sources: how many borrowers there are, what they owe, the overdue share held overseas, and what the scheme expects back.
Salary and Take-Home Pay in New Zealand
What actually lands in your bank account: PAYE, the ACC earners' levy, KiwiSaver and student loan deductions, shown across a range of salaries.
The Minimum Wage in New Zealand
The minimum wage rates in force from 1 April 2026, who is entitled to the adult rate, and what counts as a day or a week when you are paid that way.
The PIR Tax Rate Guide — Prescribed Investor Rates Explained
How to work out your prescribed investor rate, the two income years it depends on, and what it costs to leave the default 28 per cent rate in place.
FIF Tax in New Zealand — Tax on Overseas Investments
FIF tax explained: what FIF stands for, how the $50,000 de minimis threshold works, and why the fair dividend rate can tax money you never received.
Calculators
Plan your finances with our free interactive tools.
Compound Interest Calculator
See how your savings grow with compound interest over time. Free NZ compound interest calculator with yearly, monthly, and weekly compounding options.
Credit Card Repayment Calculator
See how long it really takes to pay off your credit card — and how much interest you could save by paying more each month. Free NZ calculator.
Currency Converter — USD to NZD
Convert US Dollars to New Zealand Dollars instantly. See the latest exchange rate and 30-day trend.
EV Home Charging Calculator
Estimate home charging time and cost, and compare against public DC fast charging.
EV Real-World Range Calculator
Estimate how far an EV will actually go in real NZ conditions, based on WLTP range, temperature, driving style and battery health.
EV vs Petrol Running Cost Calculator
Compare the annual running cost of an EV against a petrol car, including electricity, road user charges and fuel.
GST Calculator
Add GST to a GST-exclusive price, or work out the GST inside a GST-inclusive one, at the New Zealand rate of 15 per cent. Free NZ GST calculator.
Home Loan Comparison Calculator
Compare mortgage offers side-by-side including cash contributions and legal fee incentives. See the true cost of each home loan option.
KiwiSaver Retirement Calculator
Project your KiwiSaver balance at retirement. See how your contributions, employer match, government tax credit, and investment returns add up over time.
Mortgage Break Fee Calculator
Estimate what it would cost to break your fixed mortgage early. Free calculator covering interest rate differentials and admin fees for NZ home loans.
Mortgage Repayment Calculator
Calculate your weekly, fortnightly, or monthly mortgage repayments. Free NZ mortgage calculator — try different rates, terms, and repayment frequencies.
Net Worth Calculator
Calculate your personal net worth and compare it with the average for your age group using the latest Stats NZ data.
PAYE Calculator
Calculate your take-home pay after PAYE tax, ACC, KiwiSaver, and student loan deductions.
Retirement Savings Calculator
Estimate if you are on track for a comfortable retirement. Free NZ retirement calculator — factor in KiwiSaver, NZ Super, and personal savings.
Savings Goal Calculator
Calculate how long it will take to reach your savings goal — and what monthly deposit you need to get there. Free NZ savings planner.
Term Deposit Calculator
Calculate your term deposit returns before you lock in. Compare interest earned across different terms and rates with ValueHub's free calculator.
Local Businesses & Services by City
Find trusted tradespeople, professionals, and service providers in your area.
Accountants
Tax returns, GST and bookkeeping, year-end accounts, and rental property accounting. Advice for sole traders, partnerships and small companies.
Builders
New builds, extensions, decks and structural alterations. Consented building work and repairs, from the first quote through to code compliance.
Building Inspectors
Pre-purchase inspections, building reports and weathertightness checks. Independent assessments of a property before you commit to buying it.
Dentists
Check-ups, fillings, hygiene and crowns. Cosmetic work such as whitening, veneers and aligners, plus emergency appointments.
Electricians
Wiring, switchboard upgrades, lighting and heat pump installation. Certification for renovations, new builds and rental property work.
Financial Advisers
Personal financial advice, KiwiSaver and investment planning, and retirement planning. Also mortgage, insurance and estate planning guidance from licensed advisers.
Insurance Brokers
Advice on house, contents, vehicle and business cover. Help comparing policies, reviewing renewals, and supporting you through a claim.
Mechanics
Warrant of fitness checks, servicing, brakes and tyres. Diagnosing warning lights, cambelts and pre-purchase inspections.
Mortgage Brokers
Home loan advice, pre-approval and refinancing. Comparing lending options across banks and non-bank lenders, including first-home support.
Painters
Interior and exterior painting, wallpapering and roof coatings. Surface preparation, plaster repairs and repainting weatherboards or interiors.
Plumbers
Leaks, blocked drains and hot water cylinders. Tap, toilet and shower repairs, plus new installations and gasfitting.
Roofers
Roof repairs and replacements, leak finding and flashings. Long-run steel, tile and membrane roofing, plus gutter and downpipe work.
Available in: Auckland · Christchurch · Dunedin · Hamilton · Lower Hutt · Palmerston North · Porirua · Tauranga · Upper Hutt · Wellington