Motu senior fellow Dr Suzi Kerr said a recent nationwide survey showed that while 87 percent of Kiwis have at least some concern about climate change, only 42 percent believe that their actions can make a difference.
"While most households are taking at least some actions that reduce emissions, the actions they are choosing are not necessarily the ones that will have the biggest emission benefits."
The tool draws on averages of annual spending and household purchases to help people figure out their household's best choices to reduce emissions.
APP USERS TAP HERE FOR THE INTERACTIVE
As incomes rise, individual household emissions may also go up.
"We're hoping the combination of the tool and our research will help householders understand the impact of their spending choices and identify the most significant opportunities to mitigate their impact on emissions."
Other ways for households to reduce their emissions were to reduce their consumption of dairy products, increase their car's fuel efficiency, or shift from driving to walking, cycling or public transport.
Households could also have some impact on their emissions by decreasing their home electricity use and international travel.
"Food, transport, housing, and utilities account for 82 per cent of household emissions," Dr Kerr said.
"Households looking to reduce their emissions should look at what they consume in these categories first, so they can make meaningful change."
At each level of income, the highest-emitting households had nearly twice the emissions of the lowest-emitting households.
The differences in emissions within income groups were mainly driven by differences in transport choices.
The richer, higher-emitting households fly internationally more often. Regardless of income, the households that emit the most drive more.
There is also some difference in diet, with the higher-emitting households eating more meat and dairy than the lower-emitting ones.
"So it's perfectly possible for two people with relatively high expenditure to emit almost as little as two people with low expenditure but different spending habits."