Improve your Financial Wellbeing

If you’re feeling the pinch at the moment you’re not alone. Use our information and tools to help you get on top of your finances.

Free budgeting advice

If you're under financial pressure doing a budget is the first step to getting your finances back under control. It will help you understand what's happening with your money and make you think about how you prioritise your spending.

If you're not sure where to start, the New Zealand Federation of Family Budgeting Services (Family Budgeting) can help.

What is Family Budgeting?

The Family Budgeting Service operates 148 community based budget services nationwide which offer free, confidential, non-judgemental advice.

Trained budget advisers specialise in showing you how to manage your finances, including managing debt and people you may owe money to. Family Budgeting has helped thousands of New Zealand families get themselves back on track.

How can Family Budgeting help you?

Family Budgeting can give you short term support to get through a rough patch, as well as longer term support if you need it. Trained budget advisers provide a range of services, including:

  • Ongoing financial counselling
  • Active involvement in managing creditors
  • Help to manage a drop in income, or change in financial circumstances (i.e. a new baby or divorce)
  • Information to help you make better financial decisions.

Contact Family Budgeting

Call free on 0508 BUDGETLINE (0508 283 438, open 8.00am – 4.30pm, Monday to Friday), to talk directly to a budget adviser who can give you immediate assistance, or for a referral to the Family Budgeting Service nearest you.

Understand your position

Whether you talk to the adviser over the phone or in person, it will be worthwhile gathering as much information as possible to help you and the adviser understand your circumstances. This includes:

  • Your financial papers showing income, expenses and debts
  • Current bank statements or print outs
  • Any letters or bills from creditors in relation to current or overdue debts
  • Copies of any contracts you have in relation to the debts in question
  • Any other information relevant to your situation.

For more information on how Family Budgeting can help, visit www.familybudgeting.org.nz

Certain goods and/or services described in this article are supplied by third parties. The National Bank does not warrant the quality of those goods and/or services described, or the suitability for your particular circumstances. To the extent permitted by law, The National Bank excludes all liability for any loss suffered as a result of the use of those goods and/or services.

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This material is for information purposes only. You should seek professional advice relevant to your individual circumstances. While The National Bank (part of ANZ National Bank Limited) has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use.

To the extent permitted by law, The National Bank does not accept any responsibility or liability arising from your use of this information.

Case studies:
How to take charge

Read how other people who are under financial pressure have taken charge of their financial future.

Read case studies
Allie
Catherine & Allen
Caleb & Hayley
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Budget Planner

Creating a budget is a great way to help you manage your finances. Enter your income and expenses into our Budget Planner, and we’ll do all the calculations and summarise your results.

Save your budgetPrint your budget
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Your total after tax income is: $0.00
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Expenses Category Amount Frequency
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tips

Top tip: Estimating your expenses

Check your account and credit card statements for all your income and expenses. The more information and detail you enter into the Budget Planner the more accurate the results will be.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

To complete your budget planning, please enter  information

Summary of your income and expenses

Total after-tax income $0.00
Total expenses $0.00
Surplus $0.00

Income summary

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Income Summary

Expenses summary

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Save your budgetPrint your budget

What now?

You’ve made a good start to budgeting – take some time to review or discuss your results. You can either print your Budget Planner or save it as either a PDF or an excel document for future use.

Have you considered...

Save and Invest

Organising your savings and investments can be simple. All you have to do is decide what your goals are, and we can help you find the best way of achieving them.

More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

To keep your information, please save your budget before exiting the tool.
Press OK to continue, or Cancel to stay on the Budget Planner.
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Saving and Investment Options

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My saving and investment options

Answer the following questions to see our savings or investment options that may help you reach your goals.

Based on the information you enter, the savings and investment selector will suggest possible savings or investment options available to you through The National Bank. You can consider these options and decide which, if any, suit your circumstances.

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Answer the questions below

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  1. How much do you have to deposit or invest initially?

I have $ to deposit or invest.

why do we ask this question?
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  1. How much can you save or invest on a regular basis?

I can save or invest $

Why do we ask this question?
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  1. How often will you need to access your money?






why do we ask this question?
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  1. What is your annual taxable income?

why do we ask this question?
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See your saving and investing options with The National Bank

Start with any of the questions on the left.

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Start by answering the questions on the left.

Each answer will generate savings or investment options for you to consider.

See below for more information on some of our other savings accounts and investments

Links

So what next?

Follow the links to learn more about the savings or investment options that have been suggested above.

When considering these options, please see the Investment Statements for The National Bank Call Fund, National Bank Term Fund and Term Deposits.

If you decide that an option is suitable for you, you can follow the links to apply for the savings account or investment. If you'd like to talk to anyone about how the above options can help you achieve your goals, email us, call us on 0800 18 18 18 or ask a staff member at any branch.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

Interest rates, rates of return and fees are subject to change. Full details of all products (including applicable fees, terms and conditions) can be obtained from any National Bank branch. A copy of the Bank's disclosure statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

All suggestions are based on the correct information being provided by you. This tool is not intended to provide tax advice and you should seek independent tax advice in relation to your own situation. For information on the applicable taxes on interest or PIE income refer to the Inland Revenue (IRD) website.

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of The National Bank Call Fund and The National Bank Term Fund (Funds) and The New Zealand Guardian Trust Company Limited is the trustee. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Funds. Units in a Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in a Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, The New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of any products issued by those companies.