Sufficiency Savings Tool
Choose the changes you’d consider, and your savings build up as you go.
How many people live in your household?
Figures show a typical New Zealand household until you choose.
🛡️ Insurance ✓ selected
When did your household last shop around and compare your insurance policies (home, car, contents)?
📱 Mobile phones ✓ selected
How often does your household replace mobile phones?
Could your household switch to cheaper mobile plans without losing what you need?
💻 Other devices ✓ selected
How does your household approach replacing computers, tablets, TVs, and gaming consoles?
🧺 Home appliances ✓ selected
How does your household approach replacing major appliances — fridge, washing machine, dryer, dishwasher?
📺 Subscriptions ✓ selected
Video streaming services — how many do you pay for but rarely watch?
Which of these do you pay for but rarely use? (tick all that apply)
Does your household pay for a satellite or cable TV package?
🏪 Homewares ✓ selected
How often does your household buy new homewares, furniture, kitchen items, tools, sports gear or décor?
👕 Clothing ✓ selected
How often does your household buy new clothing, shoes or accessories?
🍔 Chain takeaway ✓ selected
How often does your household order from chain restaurants or food delivery apps?
📦 Online shopping ✓ selected
How often does your household buy items from large international online marketplaces — cheap clothing, gadgets, novelty items — that you probably wouldn’t buy if they weren’t a single click away?
🍽️ Eating ✓ selected
How often does your household eat red meat?
🥬 Food waste ✓ selected
How often does your household throw out food that could have been eaten?
🌡️ Heating ✓ selected
Does your household keep its thermostat at or below 20°C?
Does your household heat only the rooms being used?
Transport savings are shown separately in your Savings Viewer. If you reduce your car ownership, consider adding the saving to your Resilience Fund once the change is made.
🚗 Transport ✓ selected
How many vehicles does your household own?
A note on using your savings
For many households, cost-of-living pressure is real and immediate. If your savings from sufficiency actions are needed to cover essentials — food, energy, rent — that is exactly what they are for. The Resilience Fund suggestion is for households with capacity beyond immediate needs. There are many ways to contribute to your community beyond financial means, such as by joining a GoZero Team to help build connection and collective responses to the challenges we face.
Figures are indicative only and do not constitute financial advice. GoZero and the GoZero Foundation disclaim and exclude all liability for any claim, loss, demand or damages arising from use of this tool or the information included on this or any linked site.
© 2026 GoZero Foundation. All rights reserved. This tool is the intellectual property of the GoZero Foundation.