Reach New Zealanders at the moment they are deciding about money

Nobody opens a mortgage repayment calculator idly. They open it because they are deciding whether they can afford a house, what a bank will lend them, or what a sale actually nets after commission and repayment. That is a person with a live problem, a deadline, and money about to move.

This is the highest-intent inventory on the site and the most competitive space in New Zealand financial services. A visitor comparing repayments across terms is weeks, sometimes days, from choosing a lender or a broker. A visitor working out the true cost of building is deciding between a build and an existing home. A visitor calculating rental yield is deciding whether to buy the property at all.

The placement sits inside the decision rather than beside it. Your banner runs on the page where the sum is being done, above the answer, with a written introduction explaining why we partner with you. It reads as a recommendation from a site the reader has come to for help, not as an ad they scrolled past on the way somewhere else.

The category covers mortgage repayments and affordability, deposit and LVR tools, break-fee and refix calculators, the real estate commission tools, rental yield and property investment modelling, and the full cost-of-building suite. Holding the category means no competing lender, broker or agency appears anywhere in it while your placement runs.

Who this is for: banks and non-bank lenders, mortgage brokers and aggregators, real estate agencies, builders and building supply firms, property management companies, and conveyancing or valuation services.

The single largest block of traffic on the site, and the one where the reader is most often a business rather than a household. Somebody calculating provisional tax, GST on an invoice, or the true cost of an employee is running a business and looking for tools to run it better.

New Zealand has around 600,000 businesses and the overwhelming majority are small. They do their own PAYE sums, work out their own GST, and decide for themselves whether to hire. Every one of those moments happens on a page like ours, and every one of them is a moment when accounting software, an accountant, a payroll service or a business lender is genuinely useful rather than an interruption.

The intent here is unusually specific. A visitor on the provisional tax page has a filing obligation and a date. A visitor on the true cost of an employee calculator is deciding whether to make a hire. A visitor on the contractor rate calculator is setting their own price and deciding whether to keep contracting. These are commercial decisions with budget attached, made by the person who signs off the spend.

The category covers PAYE and income tax, GST in both directions, provisional tax including AIM, the contractor and self-employment suite, business valuation and break-even tools, employee cost and payroll modelling, and the company and trust calculators. It is the widest and busiest category we sell.

Who this is for: accounting and bookkeeping software, accountants and tax agents, payroll providers, business lenders and invoice finance, insurance for small business, and professional services aimed at contractors and the self-employed.

Pay is the thing people are least willing to guess about and least comfortable asking about. They come here instead, and they arrive at a moment of change: a new offer, a redundancy, a dispute over leave, or a decision about whether to move countries for work.

Moments of employment change are among the few times a working adult reconsiders their financial arrangements wholesale. A new job means a new payroll, often a new KiwiSaver decision, sometimes a new city and a new mortgage. A redundancy means working out how long the money lasts. These are not idle sessions: the reader has a document in front of them and a decision to make about it.

The salary dataset makes this category unusually credible. We publish median earnings by region and by age from Statistics New Zealand's Linked Employer-Employee Data, so a reader checking whether an offer is fair can see the actual distribution rather than a survey of self-reported figures. That is the kind of page people bookmark and return to, and the kind of context that makes an adjacent recommendation land.

The category covers the pay and salary comparison tools, leave and holiday pay, redundancy and notice, minimum wage and entitlements, the employment law calculators, the government support and entitlement tools, and the migrant income and visa cost calculators.

Who this is for: recruiters and job boards, payroll and HR software, employment lawyers and advisory services, immigration advisers and relocation services, unions and professional bodies, and KiwiSaver providers targeting people at a job change.

This is the category where a reader is most often deciding WHO to use rather than merely what to do. Somebody modelling their KiwiSaver balance at 65 is asking whether their current fund is good enough. Somebody comparing term deposit rates is choosing a bank. Somebody running a debt payoff plan is looking for a consolidation option.

Provider choice is the whole game in this category, and it is made rarely and held for years. A KiwiSaver member switches provider perhaps once a decade; when they do, the decision is worth a great deal to whoever wins it. Our retirement projection tools are exactly where that reconsideration happens, because the moment a projected balance looks smaller than expected is the moment somebody asks whether their fund is the right one.

The compounding and savings goal tools reach the same audience earlier, before the money exists. The debt side reaches them at the opposite end, working out how long a repayment plan takes and what an extra payment saves. Both are moments when a clearly explained alternative is welcome rather than resented.

The category covers KiwiSaver contributions, projections and first-home withdrawal, retirement income and drawdown modelling, compound interest and savings goals, term deposit and savings comparison, managed fund and share investment tools including the FIF and tax-on-investment calculators, credit card and personal loan payoff, and debt consolidation modelling.

Who this is for: KiwiSaver and managed fund providers, banks and credit unions, investment platforms and share brokers, financial advisers and advice services, and responsible lending or debt consolidation providers.

The widest audience on the site and the most frequently returning. Running a car, insuring it, paying the power bill, working out what a child costs, comparing the price of study. These are not once-in-a-decade decisions; they are the ones people revisit constantly, which makes this the category for brand presence rather than a single conversion moment.

Reach in this category is genuinely broad because the subject matter is universal. Everybody with a car has wondered what it actually costs to run. Everybody with a power bill has wondered whether they are paying too much. Parents work out the cost of a child, students work out the cost of a course, and households work out whether a heat pump pays for itself.

It is also where the household spending dataset lives, which is the most distinctive inventory we have. We publish what New Zealand households actually spend by category, by income decile, by household size and by region, from the Household Economic Survey. Nothing else in the New Zealand market presents that data as usable pages, and readers arrive at them from searches nobody else is answering.

The category covers vehicle running costs, fuel and EV comparison, vehicle finance and depreciation, insurance calculators across contents, life, health and vehicle, power and utility cost tools, budgeting and household cost modelling, the cost of raising a child, health and fitness tools, and student loan and study cost calculators.

Who this is for: insurers and comparison services, energy retailers, motor vehicle dealers and finance, retail banks running brand campaigns, education providers and student services, and consumer brands wanting sustained presence against everyday household decisions.

The largest package on the site by both measures: 1,334 tools and 37,128 monthly views, more than any of the five packages above. It is also the one category here that is not about a financial decision at all. A student working through a maths problem, a tradesperson converting a measurement on site, an engineer checking a formula: these are quick, habitual visits rather than once-in-a-decade moments, and there are more of them here than anywhere else on the site.

Maths and study is the single largest category on the site by tool count, 461 tools covering arithmetic, algebra, statistics, geometry and the working a student or parent reaches for while doing homework or coursework. It is read almost entirely as reference rather than as a purchase decision, which makes it a different kind of inventory to the five packages above: fewer readers arrive mid-decision, but far more of them arrive at all, and they come back.

Units and conversions is the second largest piece, 262 tools that people use constantly rather than occasionally: a recipe measurement, a tyre pressure, a currency amount, a shoe size. Engineering and trades adds another 208, the formulas and load calculations a tradesperson checks on site rather than at a desk. Both are bookmark-and-return inventory, the kind of tool a reader keeps coming back to rather than uses once.

The category covers maths and statistics, unit and measurement conversions, engineering and trade formulas, dates, time and timers, random and reference generators, and a further 263 specialist and one-off tools that do not sit naturally anywhere else. Together they are the reason this site is used for reasons that have nothing to do with money at all.

Who this is for: education providers and tutoring services, textbook and stationery brands, trade and hardware retailers, tool and instrument manufacturers, engineering and construction software, and any brand whose customer is a student, a tradesperson or simply someone who looks things up.

One banner unit, rendered server-side with its space reserved so the page never moves as it loads. Desktop is 1110 by 280 pixels, mobile 366 by 92. PNG, JPG or WebP up to 1 MB. We do not accept SVG, because it can carry script and we will not serve that from this domain.

Above the banner you can run a written partner introduction of up to about 150 words, in our voice, explaining why we work with you. This is where most of the value sits. It is the element readers actually read, and it is the reason a placement here behaves more like a referral than like display advertising.

Artwork is uploaded through the partner portal and reviewed before it runs. Once a creative is approved you can switch between approved creatives and book campaign dates yourself, without waiting on us, which is what makes a seasonal promotion practical.