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Disclaimer

Updated

Last updated: May 2026

Please read this disclaimer carefully before using MoneyBalance (moneybalance.co.nz).

General Information Only

All content on MoneyBalance — including articles, calculators, guides, data tables, and comparisons — is provided for general informational and educational purposes only. It is not intended to constitute, and does not constitute, financial advice, tax advice, legal advice, investment advice, or any other form of professional advice.

The information on this site reflects our understanding of New Zealand financial rules, tax law, and regulations at the time of writing. Laws and regulations change. Always verify current rules with official sources including Inland Revenue (IRD), the Reserve Bank of New Zealand (RBNZ), the Financial Markets Authority (FMA), Kāinga Ora, and ACC.

Not a Financial Adviser

MoneyBalance is not a registered financial adviser under the Financial Markets Conduct Act 2013. We are not licensed to provide personalised financial advice in New Zealand. Nothing on this website should be construed as personalised financial advice tailored to your individual circumstances.

Before making any significant financial decision — including taking out a mortgage, changing your KiwiSaver fund or provider, making investments, purchasing insurance, or restructuring your tax affairs — we strongly recommend consulting a qualified professional:

  • Financial advice: A Financial Adviser registered with the Financial Markets Authority (fma.govt.nz)
  • Tax advice: A Chartered Accountant (CA) or tax agent registered with IRD
  • Legal advice: A solicitor or barrister registered with the New Zealand Law Society
  • Mortgage advice: A mortgage adviser or broker

Calculator Results Are Estimates

All calculators on MoneyBalance produce estimates based on the inputs you provide and the calculation methodology we have implemented. They are not replacements for professional assessment. Calculator results may differ from actual bank assessments, IRD calculations, or professional advice due to:

  • Rounding differences
  • Individual circumstances not captured by the calculator inputs
  • Changes to tax rates, KiwiSaver rules, or other regulations since the calculator was last updated
  • Assumptions built into the calculator methodology that may not apply to your situation

Accuracy and Currency of Information

We make every effort to keep content accurate and current. However, New Zealand tax law, KiwiSaver rules, lending regulations, and financial product terms change frequently. We cannot guarantee that all content is current at the time you read it. Where we are aware that specific figures are subject to change (such as tax brackets, KiwiSaver contribution rates, or ACC levy rates), we endeavour to update content promptly.

If you believe any information on MoneyBalance is inaccurate or out of date, please contact us.

MoneyBalance contains links to third-party websites including banks, government agencies, financial product providers, and other resources. These links are provided for convenience. We are not responsible for the content, accuracy, or practices of third-party websites. Linking to a website does not constitute endorsement of its content or products.

Affiliate Relationships

Some links on MoneyBalance are affiliate links. If you click an affiliate link and sign up for a product, we may receive a commission. This does not affect the content of our articles or calculator results. See our Affiliate Disclosure for full details.

Limitation of Liability

To the maximum extent permitted by New Zealand law, MoneyBalance, its operators, authors, and contributors accept no liability for any loss or damage arising from reliance on the information published on this site.

Contact

For questions about this disclaimer: [email protected]