New Zealand Household Debt
1990 - 2025 | Monthly | USD mn | CEIC Data
Key information about New Zealand Household Debt
- New Zealand Household Debt reached 231.3 USD bn in Nov 2025, compared with the reported number of 229.5 USD bn in the previous month
- New Zealand Household Debt: USD mn data is updated monthly, available from Dec 1990 to Nov 2025
- The data reached an all-time high of 243.5 USD bn in Oct 2021 and a record low of 12.5 USD bn in Dec 1990
CEIC converts monthly Household Debt into USD. The Reserve Bank of New Zealand provides Household Debt in local currency. Federal Reserve Bank period end market exchange rate is used for currency conversions. Loans are used due to the lack of Flow of Funds statistics. Household debts includes Housing and Personal Consumer Loans.
Further information about New Zealand Household Debt
- In the latest reports, New Zealand Household Debt accounted for 90.7 % of the country's Nominal GDP in Sep 2025
- Money Supply M2 in New Zealand increased 254.5 USD bn YoY in Nov 2025
- New Zealand Foreign Exchange Reserves was measured at 28.7 USD bn in Nov 2025
- The Foreign Exchange Reserves equaled 7.0 Months of Import in Nov 2025
- New Zealand Domestic Credit reached 363.0 USD bn in Nov 2025, representing an increased of 4.1 % YoY
View New Zealand's Household Debt from Dec 1990 to Nov 2025 in the chart:
What was New Zealand's Household Debt in Nov 2025?
New Zealand Household Debt reached 231.3 USD bn in Nov 2025, compared with the reported number of 229.5 USD bn in the previous month See the table below for more data.
| Last | Previous | Min | Max | Unit | Frequency | Range |
|---|---|---|---|---|---|---|
| 231,294.6 Nov 2025 | 229,520.4 Oct 2025 | 12,529.4 Dec 1990 | 243,459.3 Oct 2021 | USD mn | monthly | Dec 1990 - Nov 2025 |
Household Debt by Country Comparison
| country/region | Last | Frequency | Range |
|---|---|---|---|
| Albania (USD mn) | 4,299.1 Oct 2025 | monthly | Jul 2007 - Oct 2025 |
| Argentina (USD mn) | 37,711.9 Oct 2025 | monthly | Dec 1999 - Oct 2025 |
| Armenia (USD mn) | 9,571.9 Nov 2025 | monthly | Jan 2000 - Nov 2025 |
| Australia (USD mn) | 2,207,212.8 Sep 2025 | quarterly | Jun 1988 - Sep 2025 |
| Austria (USD mn) | 251,207.6 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| Azerbaijan (USD mn) | 11,010.7 Nov 2025 | monthly | Jan 2005 - Nov 2025 |
| Belarus (USD mn) | 10,244.5 Nov 2025 | monthly | Dec 2006 - Nov 2025 |
| Belgium (USD mn) | 433,457.3 Jun 2025 | quarterly | Dec 1992 - Jun 2025 |
| Bolivia (USD mn) | 5,384.3 Sep 2025 | quarterly | Jun 1999 - Sep 2025 |
| Bosnia and Herzegovina (USD mn) | 8,482.2 Nov 2025 | monthly | Aug 1997 - Nov 2025 |
| Botswana (USD mn) | 4,309.4 Oct 2025 | monthly | Dec 2002 - Oct 2025 |
| Brunei (USD mn) | 2,333.2 Sep 2025 | quarterly | Mar 2011 - Sep 2025 |
| Bulgaria (USD mn) | 32,735.2 2024 | yearly | 1995 - 2024 |
| Cambodia (USD mn) | 12,938.3 Oct 2025 | monthly | Jul 2008 - Oct 2025 |
| Canada (USD mn) | 2,286,136.3 Oct 2025 | monthly | Jan 1969 - Oct 2025 |
| Chile (USD mn) | 135,469.7 Nov 2025 | monthly | Jan 2009 - Nov 2025 |
| China (USD mn) | 11,782,604.2 Nov 2025 | monthly | Jan 2007 - Nov 2025 |
| Colombia (USD mn) | 86,628.7 Oct 2025 | monthly | Apr 1995 - Oct 2025 |
| Croatia (USD mn) | 34,509.3 Jun 2025 | quarterly | Mar 1995 - Jun 2025 |
| Cyprus (USD mn) | 25,634.4 2024 | yearly | 1995 - 2024 |
| Czech Republic (USD mn) | 135,499.8 Sep 2025 | quarterly | Mar 2004 - Sep 2025 |
| Denmark (USD mn) | 364,979.7 2024 | yearly | 1994 - 2024 |
| Ecuador (USD mn) | 23,550.9 Nov 2025 | monthly | Jan 2003 - Nov 2025 |
| Egypt (USD mn) | 29,854.9 Oct 2025 | monthly | Dec 2002 - Oct 2025 |
| Estonia (USD mn) | 19,409.7 Sep 2025 | quarterly | Dec 2003 - Sep 2025 |
| European Union (USD mn) | 7,949,172.1 Nov 2025 | monthly | Jan 1999 - Nov 2025 |
| Finland (USD mn) | 211,788.7 2024 | yearly | 1995 - 2024 |
| France (USD mn) | 2,062,177.6 Jun 2025 | quarterly | Dec 1977 - Jun 2025 |
| Georgia (USD mn) | 13,306.9 Nov 2025 | monthly | Oct 2003 - Nov 2025 |
| Germany (USD mn) | 2,531,962.4 Jun 2025 | quarterly | Mar 1991 - Jun 2025 |
| Greece (USD mn) | 133,470.6 Jun 2025 | quarterly | Dec 1997 - Jun 2025 |
| Hong Kong SAR, China (USD mn) | 369,408.3 Sep 2025 | quarterly | Mar 1982 - Sep 2025 |
| Hungary (USD mn) | 53,016.2 Sep 2025 | quarterly | Dec 1989 - Sep 2025 |
| Iceland (USD mn) | 28,430.7 Sep 2025 | quarterly | Dec 1991 - Sep 2025 |
| India (USD mn) | 681,520.2 2025 | yearly | 1998 - 2025 |
| Indonesia (USD mn) | 214,080.1 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Ireland (USD mn) | 183,697.4 Jun 2025 | quarterly | Mar 2002 - Jun 2025 |
| Israel (USD mn) | 275,298.4 Oct 2025 | monthly | Sep 1992 - Oct 2025 |
| Italy (USD mn) | 1,231,545.7 Jun 2025 | quarterly | Mar 1995 - Jun 2025 |
| Japan (USD mn) | 2,713,425.7 Sep 2025 | quarterly | Dec 1997 - Sep 2025 |
| Jordan (USD mn) | 43,384.5 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Kazakhstan (USD mn) | 53,832.0 Nov 2025 | monthly | Dec 1997 - Nov 2025 |
| South Korea (USD mn) | 1,776,837.2 Jun 2025 | quarterly | Dec 2002 - Jun 2025 |
| Kosovo (USD mn) | 3,206.2 Nov 2025 | monthly | Sep 2002 - Nov 2025 |
| Kuwait (USD mn) | 1,442.6 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Kyrgyzstan (USD mn) | 2,592.7 Nov 2025 | monthly | Jan 1996 - Nov 2025 |
| Latvia (USD mn) | 11,365.3 Sep 2025 | quarterly | Mar 2004 - Sep 2025 |
| Lithuania (USD mn) | 29,068.2 Sep 2025 | quarterly | Mar 1995 - Sep 2025 |
| Luxembourg (USD mn) | 64,052.3 Jun 2025 | quarterly | Mar 1995 - Jun 2025 |
| Macau SAR, China (USD mn) | 38,606.0 Sep 2025 | quarterly | Jun 1984 - Sep 2025 |
| North Macedonia (USD mn) | 5,142.5 Nov 2025 | monthly | Jan 2003 - Nov 2025 |
| Malawi (USD mn) | 17.7 Dec 2011 | monthly | Jan 2006 - Dec 2011 |
| Malaysia (USD mn) | 363,620.1 2024 | yearly | 2002 - 2024 |
| Malta (USD mn) | 11,513.2 Nov 2025 | monthly | Oct 2003 - Nov 2025 |
| Mexico (USD mn) | 327,322.1 Sep 2025 | quarterly | Dec 2000 - Sep 2025 |
| Mongolia (USD mn) | 7,207.2 Nov 2025 | monthly | Jan 2004 - Nov 2025 |
| Montenegro (USD mn) | 2,728.3 Nov 2025 | monthly | Dec 2004 - Nov 2025 |
| Morocco (USD mn) | 39,247.7 Nov 2025 | monthly | Dec 2001 - Nov 2025 |
| Netherlands (USD mn) | 1,329,250.4 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| New Zealand (USD mn) | 231,294.6 Nov 2025 | monthly | Dec 1990 - Nov 2025 |
| Norway (USD mn) | 489,869.9 Sep 2025 | quarterly | Dec 1995 - Sep 2025 |
| Panama (USD mn) | 33,969.4 Nov 2025 | monthly | Oct 2005 - Nov 2025 |
| Peru (USD mn) | 53,901.9 Oct 2025 | monthly | Jan 2001 - Oct 2025 |
| Philippines (USD mn) | 60,938.4 Sep 2025 | quarterly | Mar 2009 - Sep 2025 |
| Poland (USD mn) | 233,582.0 Jun 2025 | quarterly | Dec 2003 - Jun 2025 |
| Portugal (USD mn) | 198,211.4 Sep 2025 | quarterly | Dec 2007 - Sep 2025 |
| Romania (USD mn) | 66,444.7 Jun 2025 | quarterly | Mar 1995 - Jun 2025 |
| Russia (USD mn) | 494,390.0 May 2025 | monthly | Dec 2000 - May 2025 |
| Saudi Arabia (USD mn) | 135,984.3 Sep 2025 | quarterly | Mar 1998 - Sep 2025 |
| Serbia (USD mn) | 18,887.5 Nov 2025 | monthly | Dec 2003 - Nov 2025 |
| Singapore (USD mn) | 307,915.4 Oct 2025 | monthly | Mar 2004 - Oct 2025 |
| Slovakia (USD mn) | 71,555.1 Jun 2025 | quarterly | Mar 2004 - Jun 2025 |
| Slovenia (USD mn) | 22,421.9 Jun 2025 | quarterly | Mar 2004 - Jun 2025 |
| South Africa (USD mn) | 178,873.5 Sep 2025 | quarterly | Mar 1969 - Sep 2025 |
| Spain (USD mn) | 907,978.6 Sep 2025 | quarterly | Dec 1989 - Sep 2025 |
| Sri Lanka (USD mn) | 6,750.1 Dec 2024 | quarterly | Jun 2010 - Dec 2024 |
| Sweden (USD mn) | 596,656.3 Sep 2025 | quarterly | Mar 1996 - Sep 2025 |
| Switzerland (USD mn) | 1,159,621.7 2024 | yearly | 1999 - 2024 |
| Syria (USD mn) | 8,543.6 Dec 2011 | monthly | Dec 2006 - Dec 2011 |
| Taiwan, China (USD mn) | 723,609.9 2023 | yearly | 2000 - 2023 |
| Thailand (USD mn) | 502,273.1 Jun 2025 | quarterly | Mar 2003 - Jun 2025 |
| Tunisia (USD mn) | 14.4 Mar 2021 | monthly | Jan 2007 - Mar 2021 |
| Turkey (USD mn) | 125,597.0 Nov 2025 | monthly | Jan 1986 - Nov 2025 |
| Ukraine (USD mn) | 8,715.1 Nov 2025 | monthly | Dec 2002 - Nov 2025 |
| United Arab Emirates (USD mn) | 149,138.4 Sep 2025 | monthly | Dec 2013 - Sep 2025 |
| United Kingdom (USD mn) | 3,161,436.0 Sep 2025 | quarterly | Mar 1987 - Sep 2025 |
| United States (USD mn) | 18,585,000.0 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| Uruguay (USD mn) | 6,856.5 May 2022 | monthly | Jun 2005 - May 2022 |
| Venezuela (USD mn) | 27.5 Mar 2023 | monthly | Jan 2004 - Mar 2023 |
Accurate Macro & Micro Economic Data You Can Trust
Explore the most complete set of 6.6 million time series covering more than 200 economies, 20 industries and 18 macroeconomic sectors.
Learn more about what we doNew Zealand Key Series
| Government and Public Finance | Last | Frequency | Range |
|---|---|---|---|
| Consolidated Fiscal Balance: % of GDP (%) | -1.0 Sep 2025 | quarterly | Dec 1999 - Sep 2025 |
| Consolidated Fiscal Balance (USD mn) | 5,756.479 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| Tax Revenue (USD mn) | 79,994.882 2025 | yearly | 1999 - 2025 |
| Tax Revenue: % of GDP (%) | 31.2 2024 | yearly | 1999 - 2024 |
| National Government Debt (USD mn) | 123,654.9 Sep 2025 | quarterly | Dec 2006 - Sep 2025 |
| Government Debt: % of GDP (%) | 48.5 Sep 2025 | quarterly | Dec 2006 - Sep 2025 |
| Forecast: Government Expenditure (NZD bn) | 204.048 2030 | yearly | 1985 - 2030 |
| Forecast: Government Net Debt (NZD bn) | 292.813 2030 | yearly | 1985 - 2030 |
| Forecast: Government Revenue (NZD bn) | 204.003 2030 | yearly | 1985 - 2030 |
| Foreign Trade | Last | Frequency | Range |
|---|---|---|---|
| Forecast: Exports of Goods Growth (%) | 3.135 2030 | yearly | 1980 - 2030 |
| Trade Balance (USD mn) | -92.3 Nov 2025 | monthly | Jan 1960 - Nov 2025 |
| Total Exports (USD mn) | 3,950.9 Nov 2025 | monthly | Jan 1957 - Nov 2025 |
| Total Exports Growth (%) | 9.2 Nov 2025 | monthly | Jan 1952 - Nov 2025 |
| Aluminum: Exports (USD th) | 748,011.388 2024 | yearly | 1995 - 2024 |
| Exports: Medicament (USD th) | 141,065.733 2024 | yearly | 1995 - 2024 |
| Exports: Medicinal and Pharmaceutical Product (USD th) | 300,779.899 2024 | yearly | 1995 - 2024 |
| Total Imports (USD mn) | 4,043.2 Nov 2025 | monthly | Jan 1960 - Nov 2025 |
| Total Imports Growth (%) | 4.4 Nov 2025 | monthly | Jan 1961 - Nov 2025 |
| Imports: Medicament (USD th) | 1,026,250.125 2024 | yearly | 1995 - 2024 |
| Imports: Medicinal and Pharmaceutical Product (USD th) | 436,775.230 2024 | yearly | 1995 - 2024 |
| Total Exports to USA (USD mn) | 366.977 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Total Imports from USA (USD mn) | 430.665 Nov 2025 | monthly | Jan 1981 - Nov 2025 |
| Total Exports to China (USD mn) | 890.782 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Total Imports from China (USD mn) | 859.458 Nov 2025 | monthly | Jul 1982 - Nov 2025 |
| Import Volume Index (Jun2002=1000) | 2,795.000 Sep 2025 | quarterly | Mar 1949 - Sep 2025 |
| Exports: fob: Australia (NZD mn) | 1,039.331 Nov 2025 | monthly | Jan 1988 - Nov 2025 |
| Exports: fob: United Kingdom (NZD mn) | 169.154 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: United States (NZD mn) | 649.287 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: China (NZD mn) | 1,747.093 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: Japan (NZD mn) | 288.843 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: China: sa (NZD mn) | 1,576.047 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: Australia: sa (NZD mn) | 959.987 Nov 2025 | monthly | Jul 1981 - Nov 2025 |
| Exports: fob: SITC: Crude Materials (NZD mn) | 746.365 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Exports: fob: SITC: Manufacturing: Goods (NZD mn) | 319.051 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Exports: fob: SITC: Mineral Fuels (NZD mn) | 54.105 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Exports: fob: SITC: Food & Live Animals (NZD mn) | 4,133.643 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Exports: fob: SITC: Manufacturing: Machinery & Transport Equipment (NZD mn) | 547.240 Nov 2025 | monthly | Jan 2002 - Nov 2025 |
| Term Trade Index (Jun2002=1000) | 1,476.000 Dec 2024 | quarterly | Mar 1957 - Dec 2024 |
| Export Volume Index: Exclude Re Export (Jun2002=1000) | 1,471.000 Dec 2024 | quarterly | Mar 1951 - Dec 2024 |
| Export Volume Index: Exclude Re Export: sa (Jun2002=1000) | 1,435.000 Dec 2024 | quarterly | Jun 1990 - Dec 2024 |
| Import Volume Index: sa (Jun2002=1000) | 2,606.000 Dec 2024 | quarterly | Jun 1990 - Dec 2024 |
| Import Value Index (2015=100) | 136.389 2021 | yearly | 1995 - 2021 |
| Export Value Index (2015=100) | 130.280 2021 | yearly | 1995 - 2021 |
| Monetary | Last | Frequency | Range |
|---|---|---|---|
| Non Performing Loans Ratio (%) | 0.5 Dec 2017 | quarterly | Mar 1996 - Dec 2017 |
| Household Debt: % of GDP (%) | 90.7 Sep 2025 | quarterly | Dec 1990 - Sep 2025 |
| Money Supply M1 (USD mn) | 75,225.265 Nov 2025 | monthly | Dec 2016 - Nov 2025 |
| Money Supply M2 (USD mn) | 254,480.699 Nov 2025 | monthly | Mar 1988 - Nov 2025 |
| M2 Growth (%) | 4.5 Nov 2025 | monthly | Mar 1989 - Nov 2025 |
| Foreign Exchange Reserves (USD mn) | 28,667.0 Nov 2025 | monthly | Sep 2005 - Nov 2025 |
| Foreign Exchange Reserves: % of GDP (%) | 9.441 Sep 2025 | quarterly | Sep 2005 - Sep 2025 |
| Foreign Exchange Reserves: Months of Import (NA) | 7.0 Nov 2025 | monthly | Sep 2005 - Nov 2025 |
| Gold Reserves (USD mn) | 0.000 Oct 2025 | monthly | Dec 1950 - Oct 2025 |
| Total Deposits (USD mn) | 279,008.095 Nov 2025 | monthly | Dec 2016 - Nov 2025 |
| Total Deposits Growth (%) | 3.8 Nov 2025 | monthly | Dec 2017 - Nov 2025 |
| Domestic Credit (USD mn) | 363,012.1 Nov 2025 | monthly | Mar 1988 - Nov 2025 |
| Domestic Credit Growth (%) | 4.1 Nov 2025 | monthly | Mar 1989 - Nov 2025 |
| Credit to Households (USD bn) | 238.472 Jun 2025 | quarterly | Dec 1990 - Jun 2025 |
| Credit to Private Non-Financial Sector (USD bn) | 423.842 Jun 2025 | quarterly | Mar 1960 - Jun 2025 |
| Household Debt (USD mn) | 231,294.6 Nov 2025 | monthly | Dec 1990 - Nov 2025 |
| Total Loans (USD mn) | 344,126.487 Nov 2025 | monthly | Dec 2016 - Nov 2025 |
| Total Loans Growth (%) | 4.78 Nov 2025 | monthly | Dec 2017 - Nov 2025 |
| Private Debt: % of Nominal GDP (%) | 136.73 Sep 2025 | quarterly | Mar 1988 - Sep 2025 |
| Depository Corp: Money Supply: Broad Money (NZD mn) | 443,578.000 Nov 2025 | monthly | Mar 1988 - Nov 2025 |
| Depository Corp: Domestic Credit (NZD mn) | 633,520.000 Oct 2025 | monthly | Mar 1988 - Oct 2025 |
| Depository Corp: Money Supply: Broad Money: Narrow Money (NZD mn) | 130,730.000 Oct 2025 | monthly | Dec 2016 - Oct 2025 |
| Official Reserve Assets: Foreign Currency Reserves (NZD mn) | 38,442.469 Nov 2025 | monthly | Sep 2005 - Nov 2025 |
| Official Reserve Assets (NZD mn) | 55,851.773 Nov 2025 | monthly | Sep 2005 - Nov 2025 |
| Business and Economic Survey | Last | Frequency | Range |
|---|---|---|---|
| Business Confidence Growth (% Point) | 10.2 Oct 2025 | monthly | Aug 2003 - Oct 2025 |
| House Price Inflation: Net Percent Expecting (%) | 72.100 Mar 2025 | quarterly | Mar 2022 - Mar 2025 |
| House Price Inflation: Net Percent Expecting Higher (%) | -34.300 Mar 2025 | quarterly | Mar 2022 - Mar 2025 |
| Business Outlook Survey: Manufacturing: Business Confidence Index (Point) | 83.700 Dec 2025 | monthly | Feb 1991 - Dec 2025 |
| Business Outlook Survey: Retail: Business Confidence Index (Point) | 67.900 Dec 2025 | monthly | Feb 1991 - Dec 2025 |
| Business Outlook Survey: All Industries: Business Confidence Index (Point) | 73.600 Dec 2025 | monthly | Feb 1991 - Dec 2025 |
| Business Outlook Survey: Construction: Business Confidence Index (Point) | 76.200 Dec 2025 | monthly | Feb 1991 - Dec 2025 |
| Business Outlook Survey: Service: Business Confidence Index (Point) | 73.700 Dec 2025 | monthly | Feb 1991 - Dec 2025 |
| Performance Manufacturing Index (NA) | 55.838 Nov 2025 | monthly | Aug 2002 - Nov 2025 |
More Indicators for New Zealand
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