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Your prescribed investor rate is the rate your KiwiSaver and managed funds are taxed at. Nobody sets it for you, and both directions of error cost something.

Registering is compulsory above a turnover threshold and optional below it. The optional case is where people get it wrong in both directions.

One number in last year's return decides whether you spend next year paying tax three times instead of once. Here is what crosses the line, what the instalments are, and what Inland Revenue charges when they are short.

The foreign investment fund rules have a cost-based exemption for eligible investors. The exemption and Australian-share exceptions have separate conditions.

The standard employee rate is now 3.5%. Higher employee rates and a temporary reduction have different rules for employer contributions.

The payment is not income tested and not asset tested, which makes it simpler than people expect. The residence rule is no longer a single flat number of years, and that change is easy to miss.

Eligible members receive a government contribution based on their own contributions, with an annual cap, an income limit and part-year eligibility rules.

Significant financial hardship and serious illness are separate early-withdrawal grounds, with evidence requirements and different contribution treatment.

A shorter fix costs less today and asks you to roll the dice sooner. Here is the arithmetic behind that trade, and the question worth asking before you pick.

Three separate tests sit between you and a mortgage, and the one people talk about is not always the one that limits the borrowing.

Changing frequency recalculates the payment. Paying half the monthly amount each fortnight adds extra payments. The calculator example separates the two.

Three years of membership opens the door. What you can withdraw, what must stay, and whose letter you need if you have owned before.

Every managed fund lodges a standardised return figure. The standard is real, and the basis it is calculated on is not yours.

The scheme protects eligible deposits if a deposit taker fails, with a limit shared across protected accounts held by the same depositor at that institution.

The OCR is the Reserve Bank’s main monetary policy tool; banks set their own mortgage and deposit rates in response to wider conditions.

Best Start, Family Tax Credit, In-Work Tax Credit and Minimum Family Tax Credit each have different eligibility and abatement rules.

Paid parental leave replaces qualifying income up to a published weekly cap, with a payment period separate from workplace leave rights.

Best Start supports qualifying families during a child's early years, with first-year income testing determined by the child's birth date.

Winter Energy Payment adds seasonal heating support to specified benefits and pensions, with automatic payments during the winter period.

It is on every payslip, it is not income tax, and it stops being charged above a set income. Here is what it is and why it is separate.

The repayment rules change completely the moment you become overseas-based, and the change is not in your favour.

A threshold, a rate, and a tax code are the three things that decide what leaves your pay. Here is how they fit together.

The minimum wage has separate adult, starting-out and training categories, with current rates stated before tax and lawful deductions.