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THE KIWI ESTATE KITThe step-by-step plan for your family
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New Zealand · 2026 edition · written for Aotearoa

A will says who gets what. It doesn’t tell your family what to do first.

After a death there’s a stretch of practical work no will covers: finding the original will, telling Work and Income, the KiwiSaver that goes to the estate, the bank, the bach, probate at the High Court. The Kiwi Estate Kit is the step-by-step plan for it: what to do, who to tell and in what order, across the first 48 hours, 28 days and 6 months. Plus the folder that puts everything in one place.

  • Covers the 3 windows after a death: 48 hours, 28 days and 6 months.
  • A plan plus 16 guided fill-in sheets: where the will is, every account, KiwiSaver, the home and the bach, your wishes. No legal jargon.
  • Written for New Zealand: Work and Income, IRD, myTrove, KiwiSaver, the High Court.
  • Instant email delivery: fillable PDF, Word, or print it at home tonight.
  • One-off payment in NZ$, GST included, no subscription · 30-day money-back.
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The Guide · The 48-28-6 System, cover pageWhen the time comes, the pages for your familyThe Family Folder, cover page
The real kit: these are its actual pages

One country, one system. Built around the real New Zealand journey (Births, Deaths and Marriages, Work and Income, IRD, myTrove and the High Court) and checked against official sources for the 2026 edition.

What most families only find out on the day

Four things about New Zealand that a will doesn’t sort out.

None of this is complicated on its own. It just isn’t written down anywhere in one place, and the job of working it out lands on the people you love, at the hardest time. Here’s what they meet —

A man at a kitchen table covered in his late parent's paperwork, unsure where to begin

There's no national will register

New Zealand has no central register of wills. If no one knows which lawyer, trustee company or drawer holds the original, the family has to ask around — sometimes through notices sent to lawyers across the country.

In the kit: where the original will, the EPAs, the title and the trust deed are kept (sheet 03).

KiwiSaver doesn't go straight to your partner

There's no nominated beneficiary for KiwiSaver. The balance goes to your estate and follows your will. Without probate, a provider may release up to $40,000, but that's at its discretion.

In the kit: every KiwiSaver, bank account and policy on one sheet, for whoever is your executor.

The bach, and who keeps it

Who keeps the bach (or the crib), who pays the rates, who gets which weeks? How it's owned decides a lot, and written wishes leave far less to work out around the kitchen table.

In the kit: the home, the bach and how each is owned (sheet 07), and much more in the Homeowner's Pack.

An EPA says who decides, not what you'd want

An enduring power of attorney names who can act for you. It doesn't record your wishes, it ends at death, and your attorney isn't automatically your executor.

In the kit: where your EPAs are, who holds them, and your care wishes in your own words (sheet 13).

New Zealand has no inheritance tax, and this isn’t about tax. It’s about whether the people you love can find what they need, and know what comes next. That comes down to one thing: a plan, and a folder, left where they can find it.

“She’ll be right. They’ll sort it out.”

They would, eventually: after ringing round for the will, hunting for account numbers and working out the order as they go. They don’t just need your information. They need a plan: what to do, who to tell, and in what order.

The method

One simple plan, in three windows: 48-28-6.

It follows the real sequence in New Zealand, in the order your family will meet it. Three windows, not a countdown: each one tells them what to do next, so no one has to make it up as they go.

01The first 48 hours

PROTECT the urgent things

The first calls, in order: the GP or hospice (or 111 if the death is sudden), then a funeral director, who registers the death with Births, Deaths and Marriages. Then find the original will and confirm the executor, remember that any enduring power of attorney has now ended, secure the home, and note which accounts are in one name and which are joint.

Without a planThe original will searched for, lawyer by lawyer · no one sure who decides the funeral · the attorney assuming they're also the executor
02The first 28 days

NOTIFY the right people, in order

Tell Work and Income yourself rather than waiting for the registration to reach them: the NZ Super or benefit that was being paid keeps going to a surviving partner for 28 days, then the partner's own rate is reviewed. Use myTrove, the free service that notifies more than 200 organisations in one process, then check each one was reached and write to the rest, with ready-to-send letters.

Without a planA payment made after the death, recovered from the estate · the death re-explained on every call · a KiwiSaver balance nobody knew about
03The first 6 months

SETTLE it properly

Probate through the High Court, then the waiting windows that run from the grant: the surviving partner's six-month choice about relationship property, and the six months an executor waits before sharing things out safely. Most estates take 6 to 12 months or more.

Without a planThe estate shared out too early · a partner's six-month choice missed · siblings second-guessing the executor
Leave them the map →

One national system: no state-by-state rules to untangle.

What you actually get

A plan to read once, and a folder to fill in.

Nothing generic, nothing imported: every page is written for New Zealand. Here is every document, as it arrives in your inbox.

The Family Folder, cover page
Every pack

The Family Folder

16 guided sheets · 27 pages

The heart of the kit, and the only part you write in. Who to call, every bank account, KiwiSaver and policy, the home and the bach, the family trust, where the will and EPAs are kept, your funeral and tangihanga wishes, and a few words for the people you love. One folder covers a couple.

When the time comes, cover page
Every pack

When the time comes

7 pages · for your family

Nothing to fill in now. It sits at the front of the folder: the first five things to do, how many death certificates to order, the 48-28-6 calendar, New Zealand on one page, and everyone to tell.

The Guide · The 48-28-6 System, cover page
Every pack

The Guide · The 48-28-6 System

24 pages · read once

The three windows after a death in New Zealand, in plain English, one page per module: Work and Income, myTrove, KiwiSaver, the bank, probate at the High Court, the partner's choice, IRD, trusts, Māori land and the bach.

Notification Letters, cover page
Settled & Complete

Notification Letters

14 ready-to-send letters

Work and Income, the bank, the KiwiSaver provider, Inland Revenue, the insurer, ACC, the council, the power or phone company, the landlord or village, the employer, an overseas pension and more. Fill in the blanks, sign, send.

Homeowner's Pack & Will Safeguard, cover page
Settled & Complete

Homeowner's Pack & Will Safeguard

15 pages

The home, the title and what passes outside the will: joint tenants or tenants in common, updating the title, rates and cover, unit titles, retirement villages, the bach or crib, family trusts and Māori land.

Executor's Brief & 6-Month Calendar, cover page
Complete

Executor's Brief & 6-Month Calendar

19 pages

For whoever settles the estate: the role in six plain steps, the clocks that start at the grant, IRD and Work and Income, seven common mistakes and how to avoid them, and the order of operations, week by week then month by month.

📄 Fillable PDF📝 Word🖨 Print-ready A4, ink-light📧 Delivered instantly by email
Family Folder sheet 01, a guided fill-in page
Sheet 01 · Who I am, and my whānau
Family Folder sheet 04, bank accounts, term deposits and shares
Sheet 04 · Bank, term deposits & shares
See inside · simple to do

An afternoon, a cup of tea and a pen.

Guided prompts and clear sections: no blank pages, no jargon, no legal training needed. Start with sheets 1, 3 and 4 (about twenty minutes), then the rest whenever you like.

  • Fill it in by hand, or type on screen. Your answers stay with you; we never see them.
  • Couples: one folder covers you both, with a column for each of you.
  • No passwords for your bank, ever: the folder records where things are kept, safely.
  • Once a year, a ten-minute check keeps it current.
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The day it matters

The kindest thing you’ll leave them might be a tidy folder.

It’s not glamorous. But on the day it’s needed, there are two very different versions of what happens next.

Without a plan

  • Drawers turned out, looking for the original will
  • The death explained again on call after call
  • A KiwiSaver or old bank account no one knew about
  • No one sure who decides the funeral
  • The bach left to guesswork
  • One child carrying it all, the others second-guessing
  • Grief, with paperwork piled on top

With the plan

  • Everyone knows where the folder is
  • A clear order of who to tell, and what to say
  • Every account, KiwiSaver and policy already listed
  • Funeral and tangihanga wishes written down
  • Your wishes for the bach and the house on paper
  • The executor knows the steps, and the waiting windows
  • Room to actually grieve
Choose your kit

One plan. Three levels of preparation.

Most families who own a home choose the Settled Family Pack. Every kit is a one-off payment in New Zealand dollars, GST included, delivered by email, with a 30-day money-back guarantee. We never touch your estate.

The Essential Kit

The plan and the folder, done properly.

NZ$79GST incl.
One-off payment · no subscription
  • The Family Folder: 16 guided sheets, 27 pages, one folder for a couple
  • When the time comes: the first five things, the 48-28-6 calendar, everyone to tell
  • The Guide: the 48-28-6 system for New Zealand, 24 pages
  • Fillable PDF, Word and print-ready A4
  • Instant email · 30-day money-back

The Complete Peace-of-Mind Pack

For your executor, or if there’s a trust or several heirs.

NZ$149GST incl.
One-off payment · no subscription
  • Everything in The Settled Family Pack
  • The Executor’s Brief: the role in six plain steps, and seven common mistakes to avoid
  • The 6-month calendar: the order of operations, week by week then month by month
  • The grant clocks: the partner’s six-month choice and when it’s safe to share things out
  • Yearly edition updates · priority support

Not sure? Most families who own a home choose The Settled Family Pack. It’s not a will and doesn’t replace a lawyer: it’s what makes their job, and your family’s, simpler.

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A simple 30-day money-back guarantee

Download the kit, read the plan, print the sheets and start filling them in at your own pace. If you don’t feel it helps your family know what to do, just email raphael@theestatekit.com within 30 days. We’ll refund you in full, no forms, no fuss. This is on top of your rights under the Consumer Guarantees Act.

Questions families ask

Everything you might be wondering

A will says who gets what. It doesn't say where the original is kept (New Zealand has no national will register), what's in your KiwiSaver, how the bach is owned, or what your family should do first, and in what order. This kit is the practical layer that sits beside your will. The two work together.

One last thing for the people you love

You’ve looked after them all these years. Leave them a folder, not a puzzle.

Leave them the map →

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The Kiwi Estate KitFrom NZ$79Get the kit →