Is your KiwiSaver pulling its weight – or quietly leaving money on the table? Pop in a few details and we'll show you how your fund's track record compares with a top fund in the same risk category, and what the difference could be worth by the time you hit 65. No login, no jargon.
Returns from the Morningstar KiwiSaver Survey, March 2026 (Q1)
Fill in your details and hit Check my gap. We'll chart your fund against a top fund in the same risk category.
The honest fine print
This is a private tool to get a conversation started – not financial advice, and not a recommendation to switch. Figures are indicative only. We use each fund's reported returns from the Morningstar KiwiSaver Survey (March 2026 (Q1), as at 31 March 2026), which are after fees, before tax. We use the 10-year average where a fund has one and fall back to its 5-year record otherwise – if a fund is too new to have even five years behind it, we'll say so rather than guess.
We only ever compare funds in the same risk category. Whether that category is the right one for you is a separate question – and one of the things an adviser can help you think through. Projections assume past returns simply continue (they won't – markets go up and down), your contributions keep going until 65, and we ignore tax and future fee changes. Past performance is not a reliable guide to the future.
Whether there's a gap to close or you just want a second opinion, a 15-minute chat could be the most valuable quarter-hour of your year. No pressure – just a straight-up look at your options.
Auckland-based · independent KiwiSaver advice