Find the KiwiSaver fund that actually fits you.
Kāhu scans 300+ KiwiSaver funds across the market and shows you how they compare on the things that matter — your goals, fees, and risk comfort — so you can make your own call with confidence, not guesswork.
Built by Financial Advice NZ Limited — a licensed Financial Advice Provider (FSP1009051).
Your shortlist
First home · Balanced risk
Growth Fund
High growth · low fee
+9.4%
98% fit
Balanced Plus
Balanced · ethical
+7.8%
94% fit
Aggressive Index
Aggressive · passive
+10.2%
91% fit
Avg 5yr return
+8.6%
Lowest fee found
0.20%
A selection engine, not another comparison table.
Most tools hand you a spreadsheet and wish you luck. Kāhu does the scanning and the shortlisting for you, in three steps.
Tell us your goal
First home, retirement growth, or chasing government incentives — start with what matters most to you right now.
We scan the whole market
Kāhu compares 300+ KiwiSaver funds on performance, fees, risk, and fund size — the work you'd never do by hand.
Get your shortlist
A clear, ranked shortlist of the funds that genuinely fit — with the context to switch confidently, not pushily.
Compare KiwiSaver funds
Search and filter current Smart Investor fund data, then open any fund for the full detail.
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Independent information you can actually trust.
Kāhu is built by Financial Advice NZ Limited, a licensed Financial Advice Provider. We compare every fund on the same evidence — performance, fees, risk, and fit — so the shortlist reflects your goals, not a provider's marketing budget.
300+
KiwiSaver funds tracked
100%
of the market, in one place
$0
to compare and shortlist
FSP1009051
Licensed Financial Advice Provider
Latest insights
Practical guidance and market context to help you make a confident KiwiSaver decision.
Best KiwiSaver fund for first home buyers
The best KiwiSaver fund for first home buyers usually matches a short timeframe: lower risk so a market dip does not hit your deposit. Here is how to choose and withdraw.
Best KiwiSaver funds NZ: how to find the right one for you
There is no single best KiwiSaver fund NZ wide. The best fund matches your timeframe, fees and risk. Here is how to compare and switch.
Budget 2025 KiwiSaver changes: what they mean for you
Budget 2025 changed KiwiSaver: the government contribution halved to $260.72 and default contributions rise to 4%. Here is what it means for you.
Frequently asked questions
The essentials on KiwiSaver and how Kāhu helps you compare funds.
What is Kāhu?
Kāhu is a KiwiSaver comparison platform for New Zealanders. We scan 300+ KiwiSaver funds across the market and surface the ones that fit your goals, fees, and risk comfort. Kāhu is a product of Financial Advice NZ Limited (FSP1009051), a licensed Financial Advice Provider.
How much does it cost to use Kāhu?
Comparing funds and building a shortlist on Kāhu is free. We're not a fund manager — we don't sell KiwiSaver products, so the comparison reflects the evidence (performance, fees, risk, and fit), not a provider's marketing budget.
What is KiwiSaver?
KiwiSaver is New Zealand's voluntary retirement savings scheme. You contribute a percentage of your pay, your employer usually contributes too, and your money is invested in a fund you choose. The fund you're in has a big effect on your fees and long-term balance.
How do I choose the right KiwiSaver fund?
The best fund depends on your timeframe, your goals (like a first home or retirement), and how comfortable you are with ups and downs. Kāhu compares funds on performance, fees, risk level, and fund size so you can see how the options stack up against what matters to you.
Can I switch my KiwiSaver fund or provider?
Yes — you can change your fund type or move to a different provider at any time, and you can only be in one KiwiSaver scheme at a time. Switching is usually straightforward, though it's worth checking timing and any costs before you move.
When can I access my KiwiSaver money?
Generally you can withdraw your KiwiSaver savings from age 65. You may also be able to access funds earlier to buy your first home, or in cases of significant financial hardship or serious illness, subject to the scheme rules.
What is a PIR and why does it matter?
Your Prescribed Investor Rate (PIR) is the tax rate applied to the income your KiwiSaver fund earns — 10.5%, 17.5%, or 28% depending on your income. Using the wrong PIR can mean paying too much or too little tax, so it's worth checking yours. Our PIR calculator can help you estimate it.
Does Kāhu give financial advice?
Kāhu is operated by Financial Advice NZ Limited, a licensed Financial Advice Provider (FSP1009051). The comparison tool gives you clear, independent information to help you decide. It isn't a personal recommendation — for advice tailored to your full situation, speak with a financial adviser.
Information only
Kāhu is an information-only service. We help you compare 300+ KiwiSaver funds on performance, fees, and risk so you can make your own decision. We don't provide personalised financial advice or recommend a specific fund for your situation. For advice tailored to your circumstances, speak with a licensed financial adviser.
See where your KiwiSaver could be working harder.
Start with your goal and get a clear shortlist of the funds that fit — free, and built by a licensed Financial Advice Provider.
Find your fund