Helpful tools, honest limits.

Educational information only

My Plan is a general budgeting and financial-education tool. It is not a financial advice service and does not provide personalised financial, investment, credit, insurance, legal, tax, or accounting advice.

Nothing on My Plan is a recommendation or offer to buy, sell, choose, keep, or change a financial product or service.

Your information, your decisions

My Plan does not know your full financial position, needs, goals, responsibilities, or tolerance for risk. Use the information as a guide and starting point, not as the only basis for a financial decision.

Check important amounts, dates, rates, fees, tax treatment, and product terms against your statements, provider documents, and current official information. Where appropriate, speak with a qualified New Zealand financial adviser or another relevant professional before acting.

Calculators, estimates, and projections

Results depend on the information you enter and on simplified assumptions. Goal dates and weeks-to-target estimates assume the displayed contribution continues at the selected frequency. Actual results may differ because income, spending, interest, returns, inflation, tax, fees, contribution timing, and personal circumstances can change.

Debt calculations are illustrations only. They are not lender quotes, repayment schedules, approval decisions, or guarantees. Check your credit agreement and ask the lender how it calculates interest, payments, and fees.

Accuracy and availability

We aim to make My Plan useful and understandable, but we do not promise that every piece of information or every result is complete, current, accurate, suitable for you, or free from error. The site may sometimes be interrupted, changed, or unavailable.

If a result looks unexpected, check the information you entered and compare it with your real account balances and documents before relying on it.

Data saved on this device

This MVP saves your My Plan data in this browser. My Plan is not connected to your bank and does not confirm that a planned allocation or contribution has happened. You are responsible for confirming budget periods and keeping balances aligned with your real accounts.

Browser data is not a secure backup. It may be visible to someone using the same browser profile and may be lost if the browser data is cleared, the device is lost, or the browser is reset. Protect your device and use the backup tools in Data & settings if you want to keep a copy.

External websites and services

Links to other websites are provided for convenience and do not mean My Plan endorses or controls their content, products, or services. Other sites have their own terms and privacy practices. Check that information is current before using it.

Limits on liability and your rights

To the maximum extent permitted by law, My Plan and its operators are not responsible for loss, damage, cost, or expense arising from use of, inability to use, or reliance on My Plan, its content, or its results.

Nothing in this disclaimer excludes, restricts, or modifies any right or remedy that cannot lawfully be excluded, including any rights you may have under applicable New Zealand consumer law.