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Side hustle nation: 1 in 3 Kiwis has a second income stream

        • 33% of New Zealanders earn additional income through a side hustle
        • Selling second-hand items is the number one way Kiwis make extra cash
        • Three things to know before launching your side gig

12 May 2021, New Zealand – From tutoring to upcycling, Kiwis are busy earning extra cash on the side according to new research by Finder, a financial research and comparison site in New Zealand.

A new, nationally representative Finder survey of 1,501 New Zealanders aged 18 and above revealed that 1 in 3 (33%) New Zealanders is earning additional income through a side hustle.

Almost 1 in 5 (18%) makes extra cash by selling second-hand items like clothes or furniture, while 8% work a second or part-time job.

Around 6% of Kiwis make extra cash by renting out a spare room or space in their home, while 5% freelance on the side through websites like Upwork or Builderscrack.

The research also found that younger Kiwis are leading the side hustle movement, with 44% of both gen Y and gen Z having a second income stream.

Kevin McHugh, Finder’s publisher in New Zealand, said that in some cases, the pandemic may have been the “push” some Kiwis needed to launch their side gig.

“Having multiple sources of income is one of the best ways to ensure financial security.

This extra cash can help you pay off debt quicker, grow your house deposit or even help to cover everyday costs like bills and groceries.

“In some cases, a small side hustle can grow into a successful business,” McHugh said.

When asked about why they have a side hustle, nearly two-thirds of respondents (60%) said they need the extra cash.

Around 15% want to fill in their spare time, while 14% say it’s a way to pursue something they’re passionate about.

Women (65%) are more likely than men (55%) to have a side hustle because they need the money, whereas men (21%) are more likely than women (11%) to want to fill their spare time.

McHugh said that side gigs don’t always need a big upfront investment or specialised skills.

“If you’d like to earn some extra cash, take a look around you. What can you sell around the home that you’re no longer using?

“What skills do you already have that someone might benefit from? You could earn money as a freelance writer, or provide music or computer lessons for instance.

“You could also offer your services as a dog walker, lawn mower, cleaner, meal prep cook – anything that you’re good at or enjoy,” McHugh said.

For more ideas on how to earn some extra cash visit:

Do you earn a second income through any of the following activities?
Selling second-hand items (e.g. Trade Me, Facebook Marketplace, etc)18%
Second/part-time job (e.g. retail, hospitality, tutoring, etc)8%
Renting out a room/space6%
Freelancing (Builderscrack, Upwork, Freelancer, etc)5%
Making and selling goods (e.g. jewellery, art)3%
Food delivery (Uber Eats, Menulog etc)2%
Ridesharing (e.g. Uber, DiDi etc)1%
None of the above67%

Source: Finder New Zealand survey of 1,501 respondents, January 2021,

responses are “tick all that apply” so may not add up to 100

What is the main reason you have a second income stream?
I need the extra money60%
I want to fill my spare time15%
To do something I’m passionate about14%

Source: Finder New Zealand survey of 494 respondents with a side hustle, January 2021


  • This Finder research is based on a nationally representative survey of 1,501 respondents from January 2021, 494 of which have a side hustle.
  • Responses for chart 1 were “tick all that apply”, so may not add up to 100.

Three things to know before launching your side gig:

  • How to finance your side hustle. Take the time to assess your savings and work out whether you have enough to get started. You may need to apply for a small personal loan to give you the extra financial leg-up you need to launch.
  • Tax implications. Even though your side gig isn’t your primary income stream, you still need to report any earnings to The Inland Revenue. Take your total projected income for the financial year and look at the official tax brackets to get an idea of how much you need to pay. It’s a good idea to set aside funds throughout the year specifically for tax so you don’t get slogged with a big tax bill in June.
  • Check up on relevant consumer laws. If you’re running a small side business, it’s a good idea to read up on any relevant consumer laws that might apply to you to ensure you’re doing the right thing. This includes things like price, product descriptions, refunds, repairs and deliveries.


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About Finder

Finder is a global comparison site, now available in New Zealand. Each month, 90,000 consumers turn to Finder to save money and time, and to make important life choices. In New Zealand we compare credit cards, mortgages, travel insurance, shopping deals and more.

Our free service is 100% independently-owned by three Australians: Fred Schebesta, Frank Restuccia and Jeremy Cabral. Since launching in 2006, Finder has continued to expand and launch around the globe, with offices in Australia, the United States, the United Kingdom, Canada, Poland and the Philippines. For further information visit

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