Free financial tools and education for New Zealanders. No sign-up. No data sold. Just clarity.
Most New Zealanders know roughly what they earn. Far fewer know what they actually keep — after tax, ACC, KiwiSaver, and student loan repayments. Even fewer understand how those numbers connect to their savings trajectory, their retirement outlook, or their borrowing power.
We think that's a problem worth solving. Not with products to sell you. With tools that let you see your own numbers clearly, in your own time, on your own terms.
Every time you use a Forge Money tool, you're building a picture of your finances. We call this My Money — a personal, private view of what you earn, what you keep, what you're saving, how your investments are growing, and how you're protected.
My Money is organised around five pillars:
As you explore different tools and guides, your pillars fill in. Each calculation adds a piece. Each guide you read deepens your understanding. My Money isn't a score of how good your finances are — it's a measure of how well you understand them.
A complete picture doesn't mean perfect finances. It means you know your numbers, you've explored the trade-offs, and you're making decisions with open eyes. That's what financial empowerment looks like.
1. Use any tool — Run a PAYE calculation, project your KiwiSaver, check your borrowing power. No sign-up needed.
2. Build your understanding — Every tool adds to your My Money view. Your pillars fill in automatically — no forms, no profile to complete.
3. See the full picture — Your money at a glance. What you earn, keep, save, grow, and protect. All in one place, always private.
When we compare investment platforms, credit cards, KiwiSaver funds, or insurance providers, our comparisons are based on:
We don't rank products based on commercial relationships. Our comparisons are based on the numbers and features each product publishes.
Forge Money is built and funded by Forge Wealth, a fee-based financial advice service. Because Forge Wealth funds the operations of Forge Money, we may occasionally refer to Forge Wealth's advice team where relevant.
Forge Money may also earn revenue from providers featured on this site through affiliate or referral arrangements. Where this is the case, we state so clearly, and guarantee it does not influence our rankings, comparisons, or editorial content. Our guides say the same thing regardless of whether a provider has a commercial relationship with us.
Current affiliate/referral agreements: None. 100% unbiased.
Every guide states its sources and the date it was last reviewed. Financial rates (PAYE, ACC, KiwiSaver, mortgage rates, term deposits) change regularly. We review rate-dependent content on a quarterly cycle and update promptly when legislation changes.
Our calculators use the same tax rates and thresholds published by IRD. Core tools like the PAYE calculator and KiwiSaver tools produce deterministic results — the maths is fixed, not generated by AI. Where a result is deterministic, you can trust the numbers.
Where our tools use AI (for natural language input parsing, educational insights, and scenario chat), this is clearly indicated. AI-generated responses explain and frame the calculator output in plain language. However, AI responses may occasionally be inaccurate. They should not be relied upon as a substitute for the deterministic calculator output or professional advice.
Forge Money is education, not advice. Nothing on this site takes into account your personal financial situation, goals, or risk tolerance. We show you the numbers and help you understand them — what you do next is up to you.
If you need advice tailored to your circumstances, talk to a financial adviser.