Check Your Financial Readiness Score in Minutes for Mortgages, Insurance and KiwiSaver.

Personal Budget Planner

Bring your income, bills, everyday spending and savings goals into one clear plan. Enter each amount in the frequency you actually pay it, and we will convert everything into a consistent budget view.

Your figures stay in your browser

Build your budget

Use after-tax income and the amount that normally leaves your account.

Results view

Current emergency savings

Cash you could access for an unexpected expense or income interruption.

Emergency-fund target A guide only. Your ideal buffer depends on job security, dependants and other support.

Your budget snapshot

Updates automatically as you change the figures.

Available after planned spendingBalanced

per month

Total income$0per month

Total outgoings$0per month

Planned savings rate0%goals ÷ income

Annual cash-flow$0estimated surplus or shortfall

0budget score

Start entering your figures

A positive buffer and consistent savings plan can help absorb irregular costs and reduce financial stress.

Where your income is going50/30/20 is a guide, not a rule

Needs

Wants

Goals

Emergency-fund guide6 months

Suggested target$0

Current gap$0

Target funded0%

Time using surplus—

Your budget is an estimate. Remember to allow for irregular costs such as vehicle repairs, school expenses, medical costs and annual subscriptions.

Turn your budget into a financial plan

Ready to make your money work harder?

An Advisenow financial adviser can help you review your mortgage, insurance and KiwiSaver alongside your cash flow, so your day-to-day budget supports the future you are building.

Call or text: 028 8520 0500 pamela@advisenow.co.nz

Book a free financial check-in

This budget planner provides estimates and general information only. It does not constitute personalised financial advice, tax advice, lending advice or a guarantee of any financial outcome. Figures are based solely on the information entered and may not include every expense, fee, tax, interest charge or change in circumstances. The 50/30/20 split and emergency-fund figures are general guides, not recommendations. Consider your full circumstances and seek personalised advice from a licensed financial adviser before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

FAQ

Frequently asked questions

Mortgage

Does submitting this form affect my credit score?

No. Getting a quote is a soft inquiry only and will never impact your credit score. A hard pull only happens if you proceed with a formal application.

What types of loans do you offer?

We work with construction loans, refinances, first home loans, refix, investment loan, and conventional mortgages.

Do you work with first-time homebuyers?

Absolutely. We explain the entire process and help you understand every program you may qualify for.

Insurance

Do I need to switch providers to get a quote?

No. Getting a quote is completely free and non-binding. We compare options and you decide what's right for you.

Can I bundle my insurance?

Yes, and we strongly recommend it. Bundling with the same provider typically saves you money on the policies.

What if I am also getting a mortgage?

Great news - we can handle both. We will coordinate your mortgage and insurance together to make sure you are fully covered at close.

Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.

Home Loan Products

Resources

Company

Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.