Use it yourself
Quick estimate, no email needed.
Run a rough projection and see the shape of the answer — useful for orienting yourself before a real conversation.
Open the tool
Tools
KiwiSaver Health Check
A short quiz on your goals, timeline, and comfort with risk. See a rough read on how your fund and fees compare, and where switching might help, before you talk it through with an adviser.
Or talk it through
Walk through it with an adviser.
A short call is usually faster, and you get a recommendation for your situation, not just a number.
What this checks
The inputs behind the result.
Your goals & timeline
What you're saving for, and how many years you've got until you need the money.
Comfort with risk
How you'd feel about your balance moving up and down along the way.
Your current fund & fees
What you're in today, what it costs, and how that compares across NZ's providers.
A fund that fits
A recommendation matched to your answers, not a generic "top pick" list.
FAQs
Common questions about this tool.
No. This tool gives you a general, indicative result based on what you enter — it doesn't take into account your full financial situation, so it isn't personalised advice. If you want advice you can rely on, book a free review with a licensed Smiths adviser.
No. The tool is free, and if you go on to get advice from Smiths we don't charge an advice fee either. We're paid by the KiwiSaver provider or insurer if you decide to go ahead, and by law your interests come first either way.
You'll see where your fund, fees and risk setting stack up. If you'd like to act on it, an adviser will walk you through the options and, if you choose to switch, handle the paperwork for you at no cost.
Talk to the team.
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.