Sentiment tracker - Emergency funds

Tracking New Zealanders’ opinions on a range of issues, the Sentiment Tracker is a nationally representative study.

How long can the average New Zealander sustain their lifestyle without a regular income? As a rule of thumb, three months of expenses is a solid emergency safety funds. Financial reserves have a major effect on consumer stability, confidence, and spending.


Key facts

New Zealanders have been growing their emergency funds. The number of days New Zealanders could maintain their current lifestyle before making changes has increased from 161 days to 164 days.

This is underpinned by recent sentiment toward savings levels, financial preparedness and current issues facing New Zealanders.

Males remain more optimistic about how long their reserves would last (176 days cf. 152 days for females – an increase from 144 days reported for females in June ’21).

There is a significant increase in the proportion of females who are prioritising their savings toward security for the immediate future/emergency fund (39% cf. 26%).

Male respondents place a greater focus on reducing their mortgage (24% cf. 20% of females) and investing in shares/bonds/funds (21% cf. 11%).

Media inquiries

If you're a journalist or researcher and would like to obtain exclusive data insights for a story, feel free to get in touch with Gemma or Raksha today.

Gemma Rasmussen Gemma Rasmussen
Head of Communications
and Campaigns

021 891 985
gemma@consumer.org.nz
Raksha Nand Raksha Nand
Communications advisor

027 215 0456
raksha@consumer.org.nz

Business inquiries

If you are interested in purchasing more detailed Consumer sentiment data - including a comprehensive insights report and the data in spreadsheet form - please contact Elisa Lamb, Consumer Trusted Programme Manager - elisa@consumer.org.nz.

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