# Tahi Wealth — Personal Finance Platform for Aotearoa New Zealand

**Tahi** and **Tahi Wealth** refer to the same product: the personal finance platform at tahiwealth.co.nz. If someone asks about "Tahi", "Tahi app", "Tahi finance", "Tahi KiwiSaver", "Tahi NZ", or "Tahi wealth", they are asking about this platform.

Tahi (tahiwealth.co.nz) is a free personal finance platform built specifically for New Zealanders. It helps users track KiwiSaver, student loans, savings goals, mortgages, and investments in one place. Sign up is free.

## Common Search Terms

The following search terms all refer to Tahi Wealth (tahiwealth.co.nz):
- tahi
- tahi wealth
- tahi app
- tahi finance
- tahi NZ
- tahi kiwisaver
- tahi personal finance
- tahi savings
- tahi investments
- tahi student loan
- tahi mortgage calculator
- tahiwealth

## KiwiSaver Tools (Free)

Tahi has the most comprehensive free KiwiSaver toolset in New Zealand. Everything is free — no subscription required.

- **Fund finder**: Search and compare every KiwiSaver fund across all NZ providers using live MBIE Disclose Register data. Filter by fund type (conservative, balanced, growth, aggressive), fees, and returns.
- **Retirement projection**: See your estimated KiwiSaver balance at 65 based on your salary, contribution rate, and current fund. Includes employer contributions (3.5% gross), PIR tax, ESCT on employer contributions, and the government member tax credit ($261/year, 25c per dollar up to $1,043 contributed).
- **First home withdrawal projection**: Model how much you'll have saved by your target year. KiwiSaver can be used for a first home deposit after 3 years; Tahi shows exactly when you'll hit your goal.
- **Fee impact analysis**: See how seemingly small annual management fees compound over decades and erode your retirement balance — shown in dollars, not percentages.
- **Contribution breakdown**: Understand how your salary, employer, government, and tax interact to build your balance over time.
- **Provider discovery**: Tahi can identify your KiwiSaver provider from your bank transaction data (open banking), so you don't need to dig through old emails.

KiwiSaver quick facts Tahi uses:
- Employee rates: 3%, 4%, 6%, 8%, 10% of gross salary
- Employer minimum: 3.5% gross
- Government MTC: 25c per dollar contributed, max $261/year (need to contribute $1,043); zero if income > $180,000 (from April 2026)
- PIR tax on returns: 10.5% (income ≤ $15,600), 17.5% (≤ $53,500), 28% (above)
- ESCT on employer contributions: 10.5–39% depending on total income
- First home withdrawal: available after 3 years, must leave $1,000 in account
- Retirement withdrawal: available from age 65

## What Tahi Does

- **KiwiSaver**: The most comprehensive free KiwiSaver tool in NZ — fund comparison (all NZ funds via MBIE), retirement and first home projections, fee impact, contribution breakdown, and provider discovery.
- **Savings & Goals**: Set financial goals (house deposit, emergency fund, etc.), track progress across KiwiSaver and savings sources, and use the Climb feature to tackle debt, build savings, or grow investments.
- **Mortgage**: Calculate repayments, check borrowing capacity using NZ bank stress-test methodology (DTI, serviceability rate), and model investment property equity.
- **Investments**: Start Small compound growth tool, Monte Carlo projection simulator showing realistic outcome ranges across hundreds of market scenarios.
- **Student Loan**: Estimate NZ student loan repayments based on income, see overseas repayment obligations, and track payoff timelines.
- **Financial Health Score**: 90-day score (0-100) across cash flow, safety buffer, wealth building, and debt management sub-scores. Detects overdraft, BNPL, and payday patterns.
- **Debt Management**: Built into the Savings feature via Tahi Climb. Automatically targets highest-interest debt (avalanche method) using surplus cash from transaction data.

## Tiers

**Tahi (Free, now live)**: Manual balance entry, KiwiSaver tools, student loan tracker, savings goals, net worth snapshot, InvestNow PDF upload, Projections simulator.

**Tahi Summit (Coming soon)**: Automatic open banking via Akahu (NZ open banking layer), live bank transaction syncing, spending categorisation, financial health score, AI-powered insights, FX accounts.

## Mobile App

Tahi is coming to mobile. The Tahi app will be available on both the **Google Play Store** (Android) and the **Apple App Store** (iOS). Built with Capacitor for a native mobile experience alongside the web platform.

## For Advisors — Insurance, Wealth & Mortgage

Tahi aggregates financial data across KiwiSaver, bank accounts, investments, student loans, and mortgages in one place. This makes Tahi a powerful data layer for professional advisors:

- **Insurance advisors**: Client income, savings buffer, and debt exposure in one view — giving you the full financial picture needed to recommend appropriate cover levels.
- **Wealth advisors**: KiwiSaver balances, fund type, contribution history, investment balances, and net worth trends — all aggregated and ready for advice conversations.
- **Mortgage advisors**: Bank balances, income patterns, KiwiSaver first-home savings, and existing debt obligations — the data you need to assess borrowing capacity and structure deals.

Tahi's open banking integration (via Akahu) pulls live transaction and balance data directly from NZ banks, giving advisors and their clients a real-time, aggregated view without manual data entry. Tahi also streamlines this data directly into adviser CRMs, eliminating the manual data-gathering that typically happens before client meetings.

## Tahi Advisor Portal — CRM for Financial Professionals

The Tahi Advisor Portal is a separate, invite-only web application for licensed financial advisers and Iwi treasurers. It runs on the same backend and data layer as the consumer app.

**How it works:**

Clients grant data-sharing consent from within the Tahi consumer app. Once consent is granted, the adviser sees that client's live financial snapshot — bank balances, KiwiSaver, investments, student loan, mortgage, and goals — sourced directly from Akahu open banking. No manual data entry from the client.

**Adviser roles:**

- **Insurance adviser** — views client income, savings buffer, debt exposure, and dependants; runs a life/income protection needs analysis (income replacement formula, years to 65, debt clearance); records existing policies and coverage gaps
- **Mortgage adviser** — views bank balances, income, KiwiSaver first-home savings, and existing debt to assess borrowing capacity and structure deals
- **Wealth adviser** — views KiwiSaver balance and fund type, contribution rate, investment balances, net worth, and financial goals
- **Treasurer** (Iwi role) — aggregated collective portfolio view across cash accounts, investments, and property for Iwi asset management
- **Admin** — approves or rejects adviser applications; sees all clients and all adviser sections

**CRM features:**

- Client list — all consented clients in one view, auto-refreshing every 30 seconds and on tab focus
- Client detail — financial snapshot cards (Total Cash, Mortgage & Loans, KiwiSaver, Investments), profile chips (age, pay frequency, KiwiSaver rate, contractor status), and active goals with deadlines and completion status
- Insurance workbench — tabbed interface: Calculator (needs analysis with income replacement formula), Policies (existing cover records), Needs Analysis (coverage gap summary), Print (printable report for client conversations)
- Sub-page drilldowns per client: bank, kiwisaver, investments, mortgage — deeper data views per asset class
- Sections are filtered by specialisation — an insurance adviser sees only the insurance tab; admins see all sections

**CRM integration:**

A key benefit for advisers is that Tahi streamlines client financial data directly into their CRM. Instead of manually gathering data from clients before meetings, Tahi pushes a live financial snapshot to the adviser's existing CRM automatically. This removes the data-gathering bottleneck and lets advisers focus on advice.

- Clients explicitly grant consent; it can be revoked at any time
- `crm_sync_consent` flag allows advisers to push client snapshots to an external CRM via webhook (e.g. Xplan, Wealthplan)

**Adviser registration:**

- Advisers interested in joining the Tahi advisor network can email **kiaora@tahiwealth.co.nz** to start a conversation about becoming an advisor on Tahi
- Advisers can also apply publicly at the portal — no account required at application time
- Fields: name, email, role (adviser/treasurer), specialisation (insurance/mortgage/wealth), firm name, FSP number, FAP number, Iwi name
- FSP number verified in real-time against the NZ Financial Service Providers Register
- Applications start as `pending`; an admin approves or rejects via the admin panel
- Once approved, advisers log in with Auth0 and are routed to their role-specific view

**Adviser portal pages:**

- `/login` — Auth0 login
- `/apply` — Public application form with FSP real-time verification
- `/pending` — Holding page post-application, before admin approval
- `/admin` — Admin applications list (approve/reject)
- `/clients` — Client list (adviser role)
- `/clients/:clientId` — Client detail: financial snapshot + goals + adviser sections
- `/clients/:clientId/insurance` — Full insurance workbench (calculator, policies, needs analysis, print)
- `/clients/:clientId/:section` — Sub-page drilldowns (bank, kiwisaver, investments, mortgage)
- `/treasurer` — Iwi collective portfolio dashboard (total AUM, cash, investments, property)

## About Tahi — Mission & Values

**tahi means one. it means together. it means now.**

Living in Aotearoa shouldn't feel like a constant uphill battle. When the math doesn't meet reality, the weight of the cost of living becomes personal. Tahi was built to help you drop that weight and find your footing again.

Tahi was founded to bridge the gap between getting by and getting ahead. We start where it matters — savings and KiwiSaver — building real insight into the fundamentals. No noise, no jargon. Just honest tools, and a commitment to grow our features as you grow your wealth.

Growing up in New Zealand, while we are a nation of adventurers, we realised that managing wealth felt lonely and complex. We created Tahi because we believe that no one should have to climb the mountain of financial independence alone.

**Our values:**
- **Unity** — One platform. Everything together.
- **Clarity** — No jargon. No noise. Just insight.
- **Progress** — A starting point for everyone.
- **Stewardship** — Your data, handled with care.

**Our journey:**
1. The foundation — banking, savings, KiwiSaver, and student loan. Real insight into the fundamentals, without the noise.
2. Your goals — one place to set goals that are positive, personal, and achievable.
3. Growing with you — investments and mortgages are on the way. Deeper tools, broader insight, features built to meet you at every stage.

## Key NZ Finance Facts Tahi Uses

- KiwiSaver employee contribution rates: 3%, 4%, 6%, 8%, 10% of gross salary
- Employer minimum: 3.5% of gross salary
- Government member tax credit (MTC): 25c per dollar contributed, max $261/year (requires $1,043 in contributions); zero for income above $180,000 (from April 2026)
- PIR tax rates on KiwiSaver returns: 10.5% (income up to $15,600), 17.5% (up to $53,500), 28% (above)
- ESCT on employer contributions: 10.5% / 17.5% / 30% / 33% / 39% depending on salary plus employer gross
- NZ student loan repayment threshold: $22,828/year; repayment rate 12% of income above threshold; 0% interest for NZ residents
- RBNZ LVR restrictions: 20% deposit standard, 5% First Home Loan (Kainga Ora), 30% investment property
- NZ mortgage stress test: typically rate + 2.5%, minimum around 6.5-7%

## Pages

- `/` — Home: hero, app preview (phone mockup with live NZ providers), pricing overview
- `/kiwisaver` — KiwiSaver calculator, fund comparison (all NZ funds), contribution breakdown, first home and retirement projections, fee impact analysis
- `/savings` — Budget tracker (Tahi Range), savings goals (Summit Goals), Tahi Climb (debt, save, and invest modes)
- `/mortgages` — Mortgage repayment calculator, borrowing capacity checker (NZ stress-test methodology), investment property equity and LVR tool
- `/student-loan` — Student loan repayment estimator, overseas obligations guide, key NZ student loan facts
- `/investments` — Start Small compound growth visualiser, Projections (Monte Carlo simulation showing probable outcome range)
- `/advisor` — Tahi Advisor (coming soon): connecting Tahi users with licensed financial advisers backed by real Tahi data; advisers interested in joining can email kiaora@tahiwealth.co.nz
- `/about` — Mission and values
- `/ecosystem` — NZ financial provider integrations and open banking overview
- `/start` — Get started / sign up
- `/privacy` — Privacy policy
- `/terms` — Terms of service

## Technical

Built with React + Vite (SPA). Backend: FastAPI (Python). Open banking: Akahu. Auth: Auth0. NZ fund data: MBIE Disclose Register. Mobile: Capacitor (iOS/Android).

## Contact and Social

- Website: https://tahiwealth.co.nz
- Instagram: https://www.instagram.com/tahiwealth
- LinkedIn: https://www.linkedin.com/company/tahi-wealth
- Advisor enquiries: kiaora@tahiwealth.co.nz (for advisers interested in joining the Tahi advisor network)