Luke Kemeys: The Kiwi Accountant Making Money Simple

Introduction

Luke Kemeys is a New Zealand chartered accountant, business adviser, speaker, podcaster and financial educator. He is best known for his work with nextAdvisory and the money education platform Keep The Change.

His main goal is simple: help people understand money and help business owners make better decisions without confusing language.

Quick Answer

Luke Kemeys is a Fellow Chartered Accountant based in Auckland, New Zealand. He helps business owners improve their profit, cash flow, planning and confidence. He also teaches everyday money skills through Keep The Change.

Quick Facts About Luke Kemeys

Fact	Verified detail
Full name	Luke Kemeys
Professional title	Fellow Chartered Accountant
Professional letters	FCA
Country	New Zealand
Based in	Auckland, New Zealand
Profession	Chartered accountant, business adviser and financial educator
Known for	nextAdvisory and Keep The Change
Other public connection	Boys Get Paid
Main subjects	Business growth, accounting, cash flow and financial literacy
Professional recognition	Chartered Accountants award in 2019 and FCA recognition in 2025

Who Is Luke Kemeys?

Luke Kemeys is an accountant who focuses on people as much as numbers.

He works with business owners who want to understand their companies, make stronger plans and build businesses that support their lives. He is also known for explaining personal finance in language that ordinary people can understand.

Readers interested in similar stories can explore more New Zealand entrepreneurs and business leaders on NZ Beat.

Education and Accounting Training

Luke has publicly stated that he studied accounting at university.

He then completed the professional training required to become a Chartered Accountant. On the Keep The Change website, he explains that this journey included four years of professional development to become a Chartered Accountant and another two years to receive a Certificate of Public Practice.

A Chartered Accountant is a trained financial professional who must meet education, experience and ethical requirements.

Public professional information records Luke’s full admission to Chartered Accountants Australia and New Zealand from 2013.

In 2025, he was recognised as a Fellow Chartered Accountant. The letters FCA show that a person has reached a senior level in the accounting profession and has made a meaningful professional or community contribution.

Luke Kemeys and nextAdvisory

Luke works as a business adviser at nextAdvisory’s official website.

The Auckland accounting and advisory firm helps business owners with areas such as:

• Accounting and tax planning
• Business strategy
• Cash-flow planning
• Profit improvement
• Financial forecasting
• Business growth
• Decision-making
• Business-owner education

Luke’s work is not limited to preparing accounts or calculating tax. He helps owners understand what their numbers mean and what they should do next.

For example, a business may be making sales but still have little money in the bank. Luke helps the owner examine costs, prices, payment times and profit margins to find the real problem.

His approach combines numbers with practical action. The aim is to give owners a clear plan they can follow.

His Business Advice Style

Luke is known for using direct and simple language.

He believes that better businesses are created when business owners improve their own knowledge, habits and decisions. His publicly stated philosophy is:

“A better business comes from a better business owner.”

This means that business growth does not depend only on selling more products. Owners also need to understand their numbers, manage their time, build useful systems and make confident decisions.

This practical approach connects with the stories of other New Zealand business figures, including entrepreneur and technology founder Anna Mowbray.

What Is Keep The Change?

Keep The Change is Luke Kemeys’ financial education platform.

The purpose of Keep The Change is to make financial literacy easier for everyday people.

Financial literacy means understanding how money works. This includes knowing how to earn, save, spend, borrow, invest and plan money responsibly.

Keep The Change provides educational material about subjects such as:

• Saving money
• Budgeting
• Debt
• Taxes
• Investing
• Building wealth
• Side businesses
• Financial goals
• Money habits
• Financial freedom

The platform includes a podcast, educational articles, tools, templates and a regular email called Money Mail.

The lessons are designed to be short, practical and easy to understand. Luke avoids difficult financial language whenever a simpler explanation will work.

Why Luke Started Keep The Change

Luke has explained that even after many years of school, university and professional accounting training, he felt that important everyday money lessons were missing.

He wanted to create a place where people could learn about money without feeling embarrassed.

Keep The Change was developed as a simple knowledge base for people who want to improve their financial understanding. Its content is based on practical subjects that can affect daily life, including budgeting, saving, taxes and debt.

The platform also encourages parents to learn about money so they can pass useful lessons to their children.

Is Keep The Change Financial Advice?

Keep The Change provides general financial education.

Its official website clearly explains that the material is not personal financial advice. It does not consider every reader’s income, debt, goals or personal circumstances.

People making major financial decisions may still need help from an authorised financial adviser, accountant, lawyer or another qualified professional.

Keep The Change’s Public Reach

The official Keep The Change website reported the following figures when checked in July 2026:

• More than 100,000 followers
• An audience across more than 50 countries
• More than 3,000 five-star reviews
• More than 17,100 newsletter subscribers

These are figures published by Keep The Change itself rather than independently audited audience numbers.

The platform’s growth shows that many people want money education presented in a friendly and understandable way.

Luke Kemeys and Boys Get Paid

Luke is also publicly connected with Boys Get Paid, a New Zealand horse-racing and sports community.

The organisation’s professional company profile lists him as “The People’s Accountant.” Boys Get Paid began as a small Facebook group and developed into a much larger community for racing and sports fans.

In 2018, Boys Get Paid received the New Zealand Thoroughbred Racing Award for Contribution to Media, Digital and Content. The recognition followed the group’s work using social media and online content to introduce more people to horse racing.

This work demonstrates another part of Luke’s public career: using digital communities to explain specialised subjects in a more entertaining and accessible way.

Awards and Professional Recognition

NZTR Media, Digital and Content Award

Boys Get Paid received the New Zealand Thoroughbred Racing Award for Contribution to Media, Digital and Content in 2018. Luke’s public professional profile includes this group recognition.

Young Chartered Accountants Recognition

In September 2019, Luke was named the CA ANZ Young Chartered Accountants Regional Advocate for Auckland.

The recognition was created for younger accountants who contributed to the profession and used their skills to support their communities.

Fellow Chartered Accountant

In 2025, Luke received Fellow Chartered Accountant status.

This was recognition of his contribution to accounting, financial education and the wider community.

For another New Zealand public career that began in chartered accounting before moving into wider leadership, readers can explore Greg Fleming’s career and background.

Speaking and Content Creation

Luke is also a public speaker and digital content creator.

His main speaking subjects include:

• Understanding business numbers
• Improving cash flow
• Making better financial decisions
• Building useful money habits
• Business planning
• Financial confidence
• Personal and business growth

His speaking style follows the same approach as his online content. He tries to make serious subjects feel less frightening and easier to use.

What Makes Luke Kemeys Different?

Luke combines three areas that are often kept separate:

1. Professional accounting knowledge
2. Practical business advice
3. Simple public financial education

Traditional accounting often focuses on past financial records. Luke also encourages people to examine their present position and plan what should happen next.

He tries to turn financial information into clear actions. A person should not only know how much money they earned. They should also understand what the number means and how it can guide their next decision.

Why Is Luke Kemeys Well Known?

Luke Kemeys is known for making accounting, business and personal finance easier to understand.

His public profile has grown through:

• His work with nextAdvisory
• The Keep The Change platform
• Financial education podcasts
• Money Mail
• Public speaking
• Social media content
• His connection with Boys Get Paid
• His professional accounting recognition

His audience includes business owners, employees, young adults, parents and people beginning their financial journey.

Frequently Asked Questions

Who is Luke Kemeys?

Luke Kemeys is a New Zealand Fellow Chartered Accountant, business adviser, speaker, podcaster and financial educator.

What does Luke Kemeys do?

He helps business owners understand their finances, improve cash flow, plan growth and make better decisions. He also creates general money education through Keep The Change.

Is Luke Kemeys a qualified accountant?

Yes. He is a Chartered Accountant and was recognised as a Fellow Chartered Accountant in 2025.

Where is Luke Kemeys based?

His public professional profiles place him in Auckland, New Zealand.

What is nextAdvisory?

nextAdvisory is an Auckland accounting and business advisory firm. It helps business owners with accounting, planning, cash flow, tax and business growth.

What is Keep The Change?

Keep The Change is a financial literacy platform run by Luke Kemeys. It provides a podcast, regular emails, articles, tools and lessons about everyday money.

Does Keep The Change provide personal financial advice?

No. Its content is general financial education. It does not replace advice based on a person’s individual circumstances.

Is Luke Kemeys connected with Boys Get Paid?

Yes. The organisation’s public company profile lists him as “The People’s Accountant.”

What subjects does Luke Kemeys teach?

His common subjects include accounting, business growth, cash flow, tax, saving, investing, debt, financial habits and money planning.

What awards has Luke Kemeys received?

His public professional record includes the 2019 Young Chartered Accountants Regional Advocate Award for Auckland. Boys Get Paid received an NZTR media and digital content award in 2018. Luke was also recognised as a Fellow Chartered Accountant in 2025.

Conclusion

Luke Kemeys has built a public career around making money and business easier to understand.

His accounting knowledge gives him a strong professional foundation. His work at nextAdvisory allows him to help business owners improve their companies. Keep The Change takes those money lessons to a wider public audience.

His message is clear: people can make better financial decisions when information is practical, honest and easy to understand.