All life stages
👨👩👧
Growing Family
Budget for school fees, family activities and the insurance coverage your growing family needs.
5 mins read
📊 Key Numbers for This Stage
State school "donations"
NZ$500–800/yr
Voluntary but widely expected; not compulsory
Private school fees
NZ$15,000–25,000/yr
Varies significantly by school and year level
After-school activities
NZ$2,000–5,000/yr
Sport, music, tutoring per child
Life insurance recommendation
10× annual income
Rule of thumb to protect your family
✅ Your Action Checklist
0/10 done
Progress saved automatically in your browser.
🧮 Relevant Calculators
📝 Related Guides
⏭️ What Comes Next?
📈
Next stage
Building Wealth
Investing, KiwiSaver, FIRE and long-term planning