Break the 10 money habits keeping you broke.
Work through the same lessons as the book, run the numbers with your own figures, and find trusted free help in your country.
What do you want to work on?
Choose a topic
Run the book's examples with your numbers
Each calculator starts with the book's worked example. Change any figure. Nothing you type here is saved.
Retirement, saving and free help where you live
A starting map, not instructions. Rules change; check the official site for current figures.
KiwiSaver, explained
Figures as stated in the book, October 2026 edition. Always confirm with Inland Revenue.
Talk to someone for free
Official or established free services. Tap a phone number to copy it.
My progress
Your answers, goals and 30-day ticks are saved to your account and only you can see them.
30-day reset
My habit actions
The "Put it into practice" page for each habit.
My goal cards
Target, saved, amount per payday and date, from habits 6, 8 and 9.
Build a budget around your paydays
Every bill is turned into an amount to set aside each payday. Save a summary to take to a financial mentor.
| Bill or cost | Amount | How often | Next due | Type | Per payday |
|---|
Your debts
Add each loan, card or buy now pay later balance. Minimum payments are added to your budget and calendar for you, so do not list them again as bills.
| Debt | Balance owed | Interest % a year | Minimum a month | Next payment due |
|---|
Take it to a financial mentor
A free financial mentor can go through this with you. Saving the summary gives you a file to bring or email.
Your paydays, your bills, your debt-free date
Built from the numbers in Budget Ready NZ. Change them there and this updates.
Payday calendar
Links and clicks
Clicks are people leaving to an external site. They are not sign-ups. Confirmed sign-ups only come from a provider's own report.
Traffic report
| Resource | Clicks | Visitors (approx.) | Sign-ups (provider) |
|---|
| Topic | Clicks |
|---|
| Month | Clicks | Visitors (approx.) |
|---|
Manage links
Change where a link goes or add a missing one. Saved changes show for everyone straight away.
| Resource | Link | Sign-ups reported |
|---|