Category

KiwiSaver

Everything about KiwiSaver in New Zealand without the jargon: how contributions and the employer match work, what the government adds, how to pick a fund, and the honest rules around taking money out. Each section groups related guides and free tools so you can go as deep as you want.

01

Introduction to KiwiSaver

Calculator

KiwiSaver projection calculator

Model how your fund choice, contribution rate and fees affect your balance at retirement.

Open the calculator Guide

KiwiSaver funds, fees and providers

Pick a fund whose risk matches your timeline, understand fees and providers, and see how choices play out by 65.

Read the guide

Coming soon: a plain-language intro to how KiwiSaver is set up, who manages it, and why most people should simply get started early rather than overthinking the small stuff.

02

Contributions and Withdrawals

Guide

KiwiSaver vs investing outside it

When extra money is better spent topping up KiwiSaver, paying down debt, or opened as its own fund, and the honest trade-offs.

Read the guide

Coming soon: an employer matching explainer, plus guides on the first home withdrawal and the hardship withdrawal, including what qualifies and what you give up.

03

Rules and Regulations

Guide

KiwiSaver rules and regulations in NZ

Who has to join, what you control with your contribution rate, fund and top ups, and when you can withdraw the money.

Read the guide →
Not financial advice

WorthNav provides general financial information only. The guides and tools on this page don't take your personal circumstances into account and aren't personal financial advice. KiwiSaver contribution rules, government contributions, fees and returns are illustrative and can change. For something tailored to you, talk to a licensed financial adviser.