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@theforbiddenchild Perfect. Thanks.

@sheritashairtemple Thanks! I'm assuming the red is the compounding interest, and the blue is at maturity? But are the formulas you're using correct (or based on one of the above AI generated ones?)?

@4himnow I should've mentioned that I'm not good at these calculations, and struggle with them, hence why I gave the two AI a shot. I don't mind doing it myself, but it's too complex for me unfortunately, which is why I was asking for help here.

Hi all, I'm getting conflicting results between ChatGPT and Gemini when I ask the same question. I was wondering if anyone can help clarify which is the correct answer? The question asked was if i have $250,000 in my savings account, and i have a choice between 6.15% interest compounding out...

@wedinn BNZ gives me 1.67 points for each $1 spent, with a $90 annual fee. Don't know what percentage cash back that is but I get around $50 - $140 cash back into my account every month depending on how much I'm spending. Nothing Kiwibank can offer will give me close to the above.

@wedinn I get better credit cards & cashback rates with the Aussie banks. Better loan & savings rates with the Aussie banks. Multiple accounts with zero charges, and dedicated support with Aussie banks. Oh, and there are far more branches out there instead of hunting for whatever post offices...