Case Studies

How to take charge

Whether it’s a change in circumstances or an unexpected event, we all face financial challenges in our lives. Read our case studies for examples of the steps other people have taken to cope with financial pressure.

Case Study 1.

Case Study 2.

Case Study 3.

Our lending criteria, terms, conditions and fees apply.

This material is for information purposes only. You should seek professional advice relevant to your individual circumstances. While The National Bank (part of ANZ National Bank Limited) has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use.

To the extent permitted by law, The National Bank does not accept any responsibility or liability arising from your use of this information.

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Budget Planner

Creating a budget is a great way to help you manage your finances. Enter your income and expenses into our Budget Planner, and we’ll do all the calculations and summarise your results.

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Top tip: Estimating your expenses

Check your account and credit card statements for all your income and expenses. The more information and detail you enter into the Budget Planner the more accurate the results will be.

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What now?

You’ve made a good start to budgeting – take some time to review or discuss your results. You can either print your Budget Planner or save it as either a PDF or an excel document for future use.

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Save and Invest

Organising your savings and investments can be simple. All you have to do is decide what your goals are, and we can help you find the best way of achieving them.

More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

Read our general disclosure statement and our disclosure statement prepared under the Securities Markets Act 1988.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

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Saving and Investment Options

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My saving and investment options

Answer the following questions to see our savings or investment options that may help you reach your goals.

Based on the information you enter, the savings and investment selector will suggest possible savings or investment options available to you through The National Bank. You can consider these options and decide which, if any, suit your circumstances.

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Answer the questions below

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  1. How much do you have to deposit or invest initially?

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  1. How much can you save or invest on a regular basis?

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  1. How often will you need to access your money?






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  1. What's your personal annual income before tax?

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Each answer will generate savings or investment options for you to consider.

See below for more information on some of our other savings accounts and investments

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So what next?

Follow the links to learn more about the savings or investment options that have been suggested above.

When considering these options, please see the Investment Statements for The National Bank Call Fund, National Bank Term Fund and Term Deposits.

If you decide that an option is suitable for you, you can follow the links to apply for the savings account or investment. If you'd like to talk to anyone about how the above options can help you achieve your goals, email us, call us on 0800 18 18 18 or ask a staff member at any branch.

Interest rates, rates of return and fees are subject to change. Full details of all products (including applicable fees, terms and conditions) can be obtained from any National Bank branch. Read our general disclosure statement and our disclosure statement prepared under the Securities Markets Act 1988.

All suggestions are based on the correct information being provided by you. This tool is not intended to provide tax advice and you should seek independent tax advice in relation to your own situation. For information on the applicable taxes on interest or PIE income refer to the Inland Revenue (IRD) website.

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of The National Bank Call Fund and The National Bank Term Fund (Funds) and The New Zealand Guardian Trust Company Limited is the trustee. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Funds. Units in a Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in a Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, The New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of any products issued by those companies.