Which NZ charities hold the largest reserves relative to spending? — 100 charities are listed, ranked by how many months of annual expenditure their equity (reserves) would cover. Large reserves can be prudent or a sign of accumulated funds — context matters.

Charities with the largest reserves relative to spending

100 charities listed. Sorted by the metric below.

All entries are factual fields drawn from the Charities Register. Inclusion here is not a finding of wrongdoing — these are register-noted indicators that warrant further context. Verify before publishing.

Charity	Sector	Months cover	Equity
The Kiwifruit Coast Life Guard Foundation CC21635	—	596	NZ$638K
The Methodist Church Of New Zealand Te Haahi Weteriana O Aotearoa Takapuna Parish (2140) CC26554	Economic development	595	NZ$19.3M
Gisborne Y Charitable Trust CC52047	Emergency / disaster relief	595	NZ$9.1M
The J.A.B Hellaby Endowment Fund CC32156	Emergency / disaster relief	595	NZ$2.6M
Selina Schicker Charitable Trust CC26915	Fund-raising	595	NZ$584K
Jim & Mary Carney Charitable Trust CC21098	Sport / recreation	593	NZ$4.9M
Altrusa House Trust CC25859	Accommodation / housing	593	NZ$678K
St Georges Presbyterian Church Takapuna CC51832	Economic development	592	NZ$16.2M
Fiordland Vintage Machinery Museum Incorporated CC28645	—	592	NZ$2.2M
Incedo Incorporated CC22655	Economic development	591	NZ$2.1M
North Haven Hospice Endowment Trust CC25624	Community development	589	NZ$10.9M
Estate of Edith Rose Isaacs CC24728	—	589	NZ$755K
The Presbyterian Church Property Trustees Estate Of Olive May Burnett CC24483	Economic development	588	NZ$1.4M
Fehl Charitable Trust CC20816	Education / training / research	588	NZ$11.6M
St Francis de Sales and All Souls Devonport Ecclesiastical Goods Trust CC29118	Economic development	588	NZ$9.5M
Canterbury Hebrew Congregation Trust Board CC27489	Economic development	585	NZ$3.1M
Ngati Rarua Asset Holding Company Limited CC40232	Community development	585	NZ$6.8M
Inglewood Veterinary Group Incorporated CC40292	Health	583	NZ$1.5M
Otago Federated Farmers Charitable Trust CC42224	Emergency / disaster relief	583	NZ$924K
St Mary Star Of The Sea Parish, Gisborne CC32657	Economic development	580	NZ$14.8M
Ormerod/Tai Tokerau Trust CC34026	Economic development	580	NZ$2.7M
Northcross Community Trust CC23512	Economic development	579	NZ$1.7M
The Canterbury Arthritis Support Trust CC25664	Sport / recreation	579	NZ$1.8M
Estate Jack Debnam Stewart Roberts CC10376	—	579	NZ$1.1M
United Church Of Tonga In New Zealand Trust Board CC48885	Economic development	578	NZ$29.6M
Westgate Islamic Trust CC50433	Economic development	577	NZ$697K
The Methodist Church of New Zealand Te Haahi Weteriana O Aotearoa - Hamilton St Pauls Methodist Model Deed Trust CC39648	Economic development	577	NZ$22.2M
Canterbury Asthma Charitable Trust CC23467	—	576	NZ$3.2M
Archomai Trust CC25850	Emergency / disaster relief	574	NZ$2.0M
Initial Volco Trust CC54691	Religious activities	573	NZ$1.5M
For the Sake of Our Children Trust CC58495	Social services	571	NZ$2.5M
Rongopai Marae CC55588	Promotion of volunteering	568	NZ$4.2M
Alexandra Clyde Lauder Union Parish CC26205	Economic development	567	NZ$5.3M
The Brenda Shore Post Graduate Research Trust CC10194	Emergency / disaster relief	566	NZ$492K
Ngapuhi Asset Holding Company Limited CC39365	Community development	566	NZ$68.2M
The Leedstown Trust CC24927	Environment / conservation	566	NZ$2.7M
Estate of John Logan Campbell CC27100	Education / training / research	563	NZ$20.7M
Thorburn Charitable Trust CC57393	Emergency / disaster relief	561	NZ$629K
NAPIER BUILDING SOCIETY CHARITABLE TRUST CC54271	Education / training / research	561	NZ$2.2M
Our Lady of the Assumption Onehunga Ecclesiastical Goods Trust CC29145	Economic development	560	NZ$14.1M
Estate of Annie Gertrude Kempthorne CC26822	—	560	NZ$632K
Beckenham Community Housing Trust CC22235	Accommodation / housing	559	NZ$544K
New Zealand Children's Transplant Support Trust CC21205	Sport / recreation	559	NZ$960K
The Royal Society of New Zealand Endowment Fund Trust CC44759	Emergency / disaster relief	557	NZ$5.9M
Gus Fisher Charitable Trust CC30691	Sport / recreation	554	NZ$8.8M
Blessed Sacrament Of Gore Ecclesiastical Goods Trust CC31827	Economic development	553	NZ$9.8M
New Zealand Pharmacy Education and Research Foundation CC40689	Emergency / disaster relief	552	NZ$6.2M
Douglas Goodfellow Charitable Trust CC36644	Emergency / disaster relief	552	NZ$139.9M
R G and E F MacDonald Trust Board CC37599	Fund-raising	551	NZ$2.6M
Palmerston North Heritage Trust CC32611	Education / training / research	551	NZ$60K
Bethlehem Charitable Trust CC31408	Environment / conservation	550	NZ$3.5M
Australasian Society for Infectious Diseases (New Zealand Branch Subcommittee) CC46673	Sport / recreation	549	NZ$145K
St. Lazarus Trust Board CC36246	Environment / conservation	549	NZ$4.0M
The New Zealand Institute for Cancer Research Trust CC23488	Emergency / disaster relief	549	NZ$12.7M
The Howick R.S.A. Community Trust CC38386	Fund-raising	548	NZ$1.5M
Cecil Warren Sharpe Trust CC11236	Fund-raising	548	NZ$415K
Mervyn & Annie Ross Charitable Trust CC34982	People with disabilities	548	NZ$152K
St Paul's Presbyterian Church Kaikoura CC51716	Economic development	547	NZ$9.5M
The Topol Charitable Trust CC20638	Emergency / disaster relief	547	NZ$5.0M
Milson Combined Church CC25112	Economic development	547	NZ$1.9M
Estate Frances MacIntosh Anderson CC10030	Care / protection of animals	546	NZ$685K
Kaitangata Community Centre Charitable Trust CC51676	Environment / conservation	546	NZ$1.0M
Ron and Joan Gillatt Charitable Trust CC62445	Arts / culture / heritage	546	NZ$60.4M
William Toomey Charitable Trust CC10370	—	546	NZ$892K
The Energy Education Trust Of New Zealand CC10550	Emergency / disaster relief	546	NZ$17.8M
Business Integrity Trust CC39509	Community development	544	NZ$573K
I. M. Richdale Trust CC35789	Education / training / research	544	NZ$656K
Doris Innes House Trust CC20079	Accommodation / housing	543	NZ$3.5M
The Doug Aley Charitable Trust CC46645	Emergency / disaster relief	541	NZ$16.3M
Ngati Ranginui Fisheries Holding Company Limited CC39634	Emergency / disaster relief	541	NZ$8.0M
St. Marks Presbyterian Church Avonhead CC51964	Economic development	541	NZ$10.3M
Te Kainga Oranga Trust CC26914	Environment / conservation	541	NZ$7.0M
Rasila Satsang Meditation Centre Incorporated CC52732	Economic development	540	NZ$56K
The Phoenix Astronomical Society Incorporated CC25481	Emergency / disaster relief	540	NZ$383K
Ōtepoti Futures Trust CC61436	Accommodation / housing	540	NZ$550K
The Masfen Foundation CC26993	Emergency / disaster relief	540	NZ$43.4M
The H M Hancock Charitable Trust CC10066	Economic development	539	NZ$2.0M
Peeto Inter-Cultural Development Trust CC40611	Emergency / disaster relief	539	NZ$6K
Wilfred Alexander Rooth Atkinson Charitable Trust CC55372	Emergency / disaster relief	539	NZ$561K
Estate of Ruth Maud Ring Spencer CC26768	Sport / recreation	537	NZ$2.7M
Whangarei Native Forest and Bird Protection Society Charitable Trust CC45556	—	537	NZ$506K
Whanganui Charitable Foundation Limited CC21727	Fund-raising	537	NZ$1.4M
Estate Phyllis Doreen Kerr CC10207	—	535	NZ$808K
Priscilla Sandys Wunsch Trust CC10691	Emergency / disaster relief	535	NZ$12.0M
Aka Tihewa Charitable Trust CC61847	Sport / recreation	534	NZ$196K
Remuera Investments Limited CC57253	Economic development	531	NZ$19.3M
The Phillip Dallow Dyslexia Trust CC46507	Marae on reservation land	531	NZ$342K
The Order of Saint Luke the Physician in New Zealand CC34398	Economic development	529	NZ$803K
Te Atatu Baptist Church CC46605	Economic development	528	NZ$6.5M
Awarua Trust CC23987	Emergency / disaster relief	528	NZ$10.0M
Anglican Diocese of Christchurch - Parish of Upper Riccarton-Yaldhurst CC52755	Economic development	528	NZ$22.0M
J A Redpath Charitable Trust CC22534	Fund-raising	526	NZ$572K
Aronui Ko Huiarau Trust Board CC32978	Emergency / disaster relief	526	NZ$16.8M
Christ the King Owairaka Ecclesiastical Goods Trust CC29130	Economic development	526	NZ$19.4M
Higgins Bequest Trust CC42482	Sport / recreation	526	NZ$5.4M
J D Harris & Family Charitable Trust CC10478	Environment / conservation	525	NZ$9.4M
HE Fairey Family Trust for CCS Disability Action CC10306	Marae on reservation land	524	NZ$4.9M
Katikati Veterans Community Trust CC10615	Accommodation / housing	523	NZ$13.1M
Margaret Mowat's Charitable Trust CC38686	Emergency / disaster relief	522	NZ$594K
Ngati Whatua Fisheries Limited CC23993	—	521	NZ$10.7M