← New Zealand hubs Project Manager
New Zealand English (English) $ NZD
Anna is a busy project manager living in New Zealand, balancing a high-pressure career with personal financial planning and family life. This hub covers the essential national schemes, tax obligations, and public services she interacts with to keep her life running smoothly.
Managing tax obligations and retirement savings is critical for long-term career stability.
myIR Secure Online Services national · Inland Revenue Department
Who qualifies All tax-paying residents
What you get Access to tax returns, student loan balances, and Working for Families credits
What it actually costs you Requires RealMe login; free to use
Common gotcha Forgetting to update your income estimate can lead to a surprise tax bill at year-end
KiwiSaver national · Inland Revenue / Private Providers
Who qualifies Employees aged 18-65
What you get Employer matching contributions and annual government contribution of up to $521
What it actually costs you 3%, 4%, 6%, 8%, or 10% of gross salary
Common gotcha Not selecting a growth fund early in your career can significantly impact long-term compounding
Student Loan Scheme national · Inland Revenue
Who qualifies Borrowers with outstanding tertiary education debt
What you get Interest-free loans for NZ-based borrowers
What it actually costs you Mandatory repayment threshold of 12% of income over the threshold
Common gotcha Moving overseas triggers interest charges immediately
Working for Families Tax Credits national · Inland Revenue
Who qualifies Families with dependent children under 18
What you get Weekly or lump-sum payments based on household income
What it actually costs you Annual application via myIR
Common gotcha Overestimating income can result in having to pay back credits at the end of the tax year
PAYE (Pay As You Earn) national · Inland Revenue
Who qualifies All salary and wage earners
What you get Automated tax deduction from your paycheck
What it actually costs you Automatic deduction by employer
Common gotcha Changing jobs mid-year can sometimes lead to incorrect tax codes
ACC Earners' Levy national · Accident Compensation Corporation
Who qualifies All earners
What you get No-fault personal injury cover
What it actually costs you Automatic deduction from salary
Common gotcha ACC does not cover illness, only accidental injury Navigating the public health system ensures I get care without breaking the bank.
Te Whatu Ora (Health NZ) Services national · Te Whatu Ora
Who qualifies NZ citizens and residents
What you get Free or heavily subsidized hospital care and emergency services
What it actually costs you Free at point of use for emergencies
Common gotcha Specialist appointments often have long waiting lists
General Practice Subsidies national · Te Whatu Ora
Who qualifies Enrolled patients at local clinics
What you get Lower consultation fees compared to non-enrolled patients
What it actually costs you Annual enrollment form
Common gotcha You can only be enrolled at one GP clinic at a time
Pharmac Subsidized Medicines national · Pharmac
Who qualifies Patients with a valid prescription
What you get Access to medications at a fixed $5 co-payment
What it actually costs you $5 per item
Common gotcha Not all medicines are subsidized; some require full private payment
National Screening Programmes national · National Screening Unit
Who qualifies Age and gender-specific cohorts
What you get Free breast, cervical, and bowel screening
What it actually costs you Free
Common gotcha You must ensure your contact details are current to receive invites
Access and Choice Mental Health Services national · Te Whatu Ora
Who qualifies Anyone needing mild-to-moderate mental health support
What you get Free brief interventions and counseling
What it actually costs you Referral from GP
Common gotcha High demand means there can be a wait for initial assessment
National Immunisation Schedule national · Ministry of Health
Who qualifies All residents based on age
What you get Free vaccines for preventable diseases
What it actually costs you Free
Common gotcha Records are managed via the National Immunisation Register
Keeping my identification and travel documents current is essential for work and life.
RealMe national · Department of Internal Affairs
Who qualifies All residents
What you get Single sign-on for government services
What it actually costs you Free; requires identity verification
Common gotcha Verifying your identity can take several days if done via post
New Zealand Passport national · Department of Internal Affairs
Who qualifies NZ citizens
What you get International travel document
What it actually costs you $206 for standard adult passport
Common gotcha Photos must meet strict digital criteria to be accepted online
NZ Driver Licence national · Waka Kotahi (NZ Transport Agency)
Who qualifies Residents aged 16+
What you get Legal right to drive
What it actually costs you Varies by test type; renewal is $43.90
Common gotcha Failing to renew on time requires re-sitting the theory test
SuperGold Card national · Ministry of Social Development
Who qualifies People aged 65+
What you get Discounts on transport and retail
What it actually costs you Automatic issue upon reaching age
Common gotcha Many people forget to use it for off-peak public transport
Kiwi Access Card national · Hospitality NZ
Who qualifies Anyone needing a photo ID
What you get Recognized proof of age and identity
What it actually costs you $60
Common gotcha Not a travel document; cannot be used for international flights
SmartGate national · NZ Customs Service
Who qualifies Holders of e-passports
What you get Automated border processing
What it actually costs you Free
Common gotcha Doesn't work if your passport chip is damaged
Understanding my rights helps me navigate rental agreements and consumer disputes.
Tenancy Services national · Ministry of Housing and Urban Development
Who qualifies All tenants and landlords
What you get Legal guidance and bond management
What it actually costs you Free
Common gotcha Bond must be lodged with the government, not kept by the landlord
Consumer Protection national · Ministry of Business, Innovation and Employment
Who qualifies All consumers
What you get Information on rights under the Consumer Guarantees Act
What it actually costs you Free
Common gotcha The CGA applies to goods even if the store's warranty has expired
Disputes Tribunal national · Ministry of Justice
Who qualifies Parties in civil disputes under $30,000
What you get Low-cost legal resolution
What it actually costs you Filing fee from $45
Common gotcha You cannot have a lawyer represent you in the hearing
Citizens Advice Bureau (CAB) national · CAB NZ
Who qualifies Anyone needing free advice
What you get Information on rights and government services
What it actually costs you Free
Common gotcha They provide information, not legal representation
Energywise national · EECA
Who qualifies Homeowners
What you get Advice on heating and energy efficiency
What it actually costs you Free
Common gotcha Grants are often limited to specific insulation or heat pump upgrades
Office of the Privacy Commissioner national · Privacy Commissioner
Who qualifies Anyone concerned about data misuse
What you get Investigation of privacy breaches
What it actually costs you Free
Common gotcha You must complain to the organization first before the Commissioner will intervene
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
