New Zealand

Trott Bailey Family Abundance · Country Profile

New Zealand

Tracking baselineEvidence through 5 Oct 2026
TBF Rank #141 of 243 countries
New ZealandTrending down: previously #140, now #141.Recent recorded movements
  1. #140 → #1416 Oct 2026 · 19:42 GMT-0500
  2. #137 → #1406 Oct 2026 · 18:46 GMT-0500
TBF Abundance Score -63.3 Evidence before Abundance Gate +19.6 National Abundance Gate Money-gated · graded GDP Rank #53 Coverage 88% Categories scored14 / 16

Money Gate 20 · Overall Gate 0.7.0

Five basics stand between this country and zero

This profile has a direct five-part Money Gate audit. Any category below 4/4 keeps the whole country below zero.

Money Gate score 3.0 / 20 Cash-Register Lock 85.0 / 100 Friction Economy Pressure 45.2 / 100 Money-gated ceiling -38.5
Food 0.5 / 4 Housing / Land 0.0 / 4 Healthcare 2.0 / 4 Transportation 0.5 / 4 Water / Energy 0.0 / 4
9% weightHuman Time & Burden Return
+10.0

Whether productivity, infrastructure and institutions return usable lifetime to people and families.

TBFC target: Necessary contribution should not require people to sell most of their waking life merely to retain access to food, shelter, care and ordinary family life.

Access-gate research question: How much paid work or income-producing activity is required before an ordinary household can keep access to basic life, and what usable family time remains afterward?

Capacity+18.0
Reach+12.0
Friction0.0
Return / Regeneration+14.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

High incomes coexist with household cost and ageing pressure

The 2026 OECD survey describes a recovering high-income economy but persistent household debt, housing and ageing-related fiscal pressures mean ordinary families still depend on recurring cash income.

OECD Economic Surveys: New Zealand 2026
8% weightHousing, Shelter & Housing Reach
-20.0

Whether adequate shelter physically exists and actually reaches people without excessive cost, exclusion or vacancy mismatch.

TBFC target: Adequate family shelter should remain reachable without lifetime dependence on rent, mortgage debt or ability to pay.

Access-gate research question: What share of ordinary shelter access depends on rent, mortgage debt, purchase price or other recurring payment, and what dependable non-market routes exist at national scale?

Capacity-12.0
Reach-18.0
Friction-30.0
Return / Durability-16.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Housing remains strongly market-gated

Housing affordability and homelessness remain policy concerns; assistance reduces rent pressure but ordinary shelter is still reached through rent, mortgages, ownership or targeted support rather than a national no-payment route.

OECD housing / New Zealand 2026
9% weightFood, Nourishment & Free Food Abundance
+25.0

Physical food and nutrient capacity, nourishment reach, waste/loss, public edible landscapes and free food access.

TBFC target: Nutritious food should exist in multiplying abundance and remain reachable even when a household has no money to spend.

Access-gate research question: Can people obtain adequate nutritious food when they cannot pay, and are free/public/productive-food routes large enough to be ordinary rather than exceptional?

Capacity+33.0
Reach+27.0
Friction / Waste+15.0
Return / Multiplication+29.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Healthy School Lunches creates a large free-food route

The Ministry of Education says the programme provides more than one million free healthy lunches each week and is funded through 2027, while ordinary household food remains market-based.

New Zealand Ministry of Education
6% weightWater & Sanitation Abundance
+30.0

Safe water, sanitation, reliability, capture, reuse, storage and living-landscape water capacity.

TBFC target: Safe water and sanitation should be dependable life infrastructure, not conditional on household purchasing power.

Access-gate research question: Can households retain safe water and sanitation when income falls, and which payment, disconnection or infrastructure barriers interrupt access?

Capacity+38.0
Reach+32.0
Friction / Loss+20.0
Return / Regeneration+34.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Safe water systems are broad but local services remain financed

New Zealand has mature drinking-water and sanitation systems, yet household water and wastewater are funded through local rates, charges or council finance rather than a national zero-payment entitlement.

World Bank Data — New Zealand
5% weightEnergy & Household Capability
+20.0

Whether usable, reliable energy reaches households and removes burdens across water, food, health, cooling, cooking and movement.

TBFC target: Essential household energy should support cooking, cooling, water, food preservation and care without money becoming the switch that turns basic capability on or off.

Access-gate research question: Can households retain essential energy for cooking, cooling, water and food preservation when they cannot pay, and how often does price or disconnection reduce capability?

Capacity+28.0
Reach+22.0
Friction+10.0
Return / Burden Removed+24.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Electricity is reliable but affordability remains a live issue

The OECD identifies electricity affordability and security as continuing policy concerns; household energy remains billed rather than free at point of use.

OECD Economic Surveys: New Zealand 2026
7% weightHealth & Care Reach
+40.0

Whether prevention, primary care, medicine, maternity care, dentistry and specialist capability reach people when needed.

TBFC target: Prevention, maternity, dentistry, medicine and necessary treatment should be reachable because care is needed, not because payment can be produced.

Access-gate research question: Can necessary care be obtained because it is needed, or do price, insurance, employment, debt or other financial tests materially delay or prevent access?

Capacity+48.0
Reach+42.0
Friction+30.0
Return / Prevention+44.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Publicly funded care provides substantial reach with copayments

Citizens and residence-class visa holders are eligible for publicly funded services, but the Ministry of Health states services may be fully funded or may require patient co-payments.

New Zealand Ministry of Health
6% weightEducation & Human Capability
+40.0

Foundational learning plus practical, technical and enduring civilization capability retained by people.

TBFC target: Foundational learning and useful capability should be reachable as part of civilization life rather than purchased according to family income.

Access-gate research question: Which essential learning and capability routes are genuinely reachable regardless of family income, and where do fees, debt or paid enrichment create decisive access gaps?

Capacity+48.0
Reach+42.0
Friction+30.0
Return / Capability+44.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Public education and targeted supports provide broad capability reach

New Zealand maintains broad public schooling and large targeted programmes including free school lunches, while tertiary and household education costs remain.

New Zealand Ministry of Education
4% weightMobility & Reachability
+25.0

Local, regional and national movement that connects people to family, services, work, learning and public life without consuming excessive time.

TBFC target: Ordinary local and regional movement should be available for family, care, learning and civic life without travel becoming a paywall.

Access-gate research question: Can ordinary people reach family, care, learning and public life without high recurring fares, vehicle costs, debt or fuel dependence?

Capacity+33.0
Reach+27.0
Friction+15.0
Return / Time+29.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Targeted zero-fare travel exists but ordinary transit is fare-based

SuperGold card holders receive free off-peak travel on most eligible public transport, while general riders continue to pay fares.

NZ Transport Agency Waka Kotahi
8% weightFamily Formation, Continuity & Child Stability
+9.4

Conditions that let people form stable families, raise children, share parental time and continue family life without punishing material barriers.

TBFC target: People should be able to form, continue and multiply family life. Trott Bailey Family Civilization uses 5.0 children per woman as the fertility target; 2.1 is the replacement floor, not the aspiration, while housing, care, food and time should not be withheld behind financial thresholds.

Access-gate research question: How strongly do housing, childcare, health, food and work-income requirements delay or destabilize family formation and continuity, and is total fertility moving above replacement toward the 5.0-children-per-woman civilization target?

Capacity+17.4
Reach+11.4
Friction-0.6
Return / Continuity+13.4

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Published indicators

Total fertility rate1.57 births per woman

World Bank World Development Indicators via FRED · 2024

Source

Verified evidence

Very low fertility weakens generational continuity

The 2024 total fertility rate is 1.57 births per woman, below replacement and far below the authored 5.0 target despite relatively strong public services.

World Bank WDI via FRED
5% weightLand Access & Spatial Freedom
-15.0

Whether land and settlement choice reach ordinary people rather than opportunity being functionally trapped inside expensive commercial centres.

TBFC target: Suitable productive land and settlement opportunity should not be functionally reserved for those able to outbid everyone else.

Access-gate research question: Can ordinary families gain secure use of suitable productive ground without first accumulating enough money to purchase, finance or outbid others?

Capacity-7.0
Reach-13.0
Friction / Concentration-25.0
Return / Productive Ground-11.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Land and housing opportunity remain price-mediated

Access to residential and productive land is primarily through ownership, lease, inheritance or regulated market routes rather than broad free allocation.

OECD Economic Surveys: New Zealand 2026
6% weightPeace of Mind, Happiness, Beauty & Delight
+50.0

Peace of mind, social support, everyday safety, public beauty, recreation, nature, culture and delight reachable without constant payment.

TBFC target: Beauty, nature, recreation, rest and public delight should belong to ordinary life rather than appearing mainly after payment.

Access-gate research question: How much everyday rest, nature, recreation, culture and public beauty is freely reachable, rather than principally accessed through paid venues, travel or private property?

Capacity+58.0
Reach+52.0
Friction+40.0
Return / Delight+54.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Nature and public outdoor life are major abundance strengths

New Zealand provides extensive public landscapes, recreation and cultural amenities, though many activities and travel routes remain commercial.

World Bank Data — New Zealand
6% weightLiving Ground, Biodiversity & Resilience
+25.0

Whether soil, forests, wetlands, habitat, pollinators, species and water-holding landscapes are strengthening rather than being consumed.

TBFC target: Regenerating soil, water, habitat and food-bearing landscapes should be maintained as shared life-supporting capacity rather than only where a transaction makes them profitable.

Access-gate research question: Are regenerative land, water and habitat functions maintained as life-supporting infrastructure even when no direct commercial return is available?

Capacity+33.0
Reach / Ecological Function+27.0
Friction / Loss+15.0
Return / Regeneration+29.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Strong natural assets coexist with ecological and energy-transition pressures

Natural capital and conservation capacity are substantial, while climate, biodiversity and energy-system resilience remain active policy challenges.

OECD Economic Surveys: New Zealand 2026
5% weightJustice, Safety & Institutional Friction
+35.0

Physical safety, usable justice, legal identity, reliable public administration and low needless institutional burden.

TBFC target: Usable justice, legal identity, safety and ordinary administration should remain accessible regardless of wealth.

Access-gate research question: Do fees, legal costs, bail, fines, documentation costs or ability to hire expertise materially change access to justice, safety or public administration?

Capacity+43.0
Reach+37.0
Friction+25.0
Return / Reliability+39.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Institutions are strong but access still involves ordinary legal and administrative costs

High institutional capacity lowers friction relative to many countries, though legal services, housing disputes and administration can still impose cost and time.

OECD Economic Surveys: New Zealand 2026
4% weightDurability, Repair & Material Return
+10.0

Whether useful materials, infrastructure and goods are maintained, repairable, recovered and cycled instead of repeatedly becoming waste.

TBFC target: Repair, maintenance and useful material circulation should protect capability instead of forcing repeated repurchase as the default route to continued use.

Access-gate research question: Do repair and maintenance remain practically accessible, or do pricing, proprietary restrictions and replacement incentives turn continued use into repeated purchasing?

Capacity+18.0
Reach+12.0
Friction / Waste0.0
Return / Circularity+14.0

Abundance Gap: +6.0

TBF reading

Reviewed 2026-10-06. Four-rail diagnostic evidence is separate from the direct Money Gate 20 audit and Family Fertility Method 1.0.0. Direct live review against the Trott Bailey Family Civilization target; Money Gate status is calculated separately.

Verified evidence

Repair and circularity are developing but replacement markets remain dominant

Policy attention to sustainability and resource efficiency is growing, but ordinary repair and material return are not yet a no-cost public baseline.

OECD Economic Surveys: New Zealand 2026

Trott Bailey Family Civilization Target

The end state: life beyond monetary gatekeeping

Trott Bailey Family Civilization treats money as an exchange tool rather than a prerequisite for access to life. The long-run abundance target is that food, water, shelter, care, education, mobility, land access and ordinary public life remain reachable even when a person cannot pay.

This target is an authored civilization standard. The diagnostic evidence score can now draw from all 16 weighted categories. The five-part Money Gate remains a separate domestic threshold asking whether food, housing/land, healthcare, transportation and water/energy are genuinely reachable without payment before any civilization can cross zero.

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