Compare
The clearest way to compare KiwiSaver and actually switch
Sorted, FundCompare, and provider tools all show you fund data. Kāhu compares 300+ funds and, as a licensed Financial Advice Provider, helps you decide and switch.
The verdict
Sorted's KiwiSaver Fund Finder is the best free, government-backed tool for browsing whole-of-market fund data. Kāhu covers the same 300+ funds but goes further as a licensed Financial Advice Provider, combining whole-market comparison with suitability guidance, plain-English fee breakdowns in real dollars, and hands-on help to actually switch funds, not just a hand-off to providers.
How the KiwiSaver comparison tools stack up
The same eight criteria across every tool. Kāhu is the only one that pairs whole-of-market comparison with licensed advice and a real switch.
| Criteria | Kāhu | Sorted Smart Investor | FundCompare | Provider-direct tools |
|---|---|---|---|---|
| Funds compared | 300+, whole market | Whole market | 470+ funds | Own funds only |
| Independent (not selling its own funds) | ||||
| Licensed Financial Advice Provider | Financial Advice NZ Ltd, FSP1009051 | General info only | Not a FAP | Own products only |
| Shows how well funds fit your goals | Not personal advice | |||
| Fees shown as real dollars | Worked $ on your balance | Lifetime projection | Mostly % figures | |
| Helps you actually switch | Guided switch flow | Hands off to providers | Refers to a partner | Only to join them |
| Plain-English, calm experience | ||||
| Free to use |
Comparison reflects each tool's own published positioning (Sorted and FundCompare both state they provide general information, not personalised advice). Past performance is not a reliable indicator of future returns.
Where each alternative is the better pick
Every tool here is genuinely good at something. Here's where each one wins, and where Kāhu goes further.
Sorted Smart Investor
Best free, government-backed data browser
Run by the Retirement Commission, Sorted's Fund Finder is impartial and updated from the Disclose register. But it states plainly that it provides general information, not advice. It won't tell you which fund suits you, and it can't help you switch.
FundCompare
Clean side-by-side fund data
FundCompare lines up fees, returns, and risk across 470+ funds. It's independent and free, but it is not a licensed Financial Advice Provider. It offers general information only and routes you to a partner adviser network when you want to act.
Provider-direct tools
Deepest detail on their own funds
A provider's own site is the easiest place to join that provider and the best source on their specific funds. By design it is a single-provider sales channel, so it can't compare the market or tell you when a rival fund fits you better.
When to choose Kāhu
Choose Kāhu when you want more than a data table: whole-market comparison, a licensed view on whether a fund fits you, and help to actually make the move.
Whole market, clearly compared
Kāhu compares 300+ KiwiSaver funds and, as a licensed FAP (Financial Advice NZ Limited, FSP1009051), gives you clear, independent information on how they fit your goals — not just a raw list of data. Kāhu provides information only, not personalised advice.
From comparison to switched
A guided switch flow helps you actually move funds. No fees, no penalties, no lock-in, and it takes about 2–3 weeks, and Kāhu handles the paperwork.
Fees you can feel
Every fund shows its annual charge as real dollars on a worked balance and a Low / Average / Higher band, so cost is tangible, not a percentage you have to translate.
Calm, plain-English guidance
Risk-fit profiling and jargon-free explanations are built for everyday Kiwis weighing up a switch, not for finance professionals reading spreadsheets.
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
KiwiSaver comparison tool FAQs
The honest differences between Kāhu, Sorted, FundCompare, and provider tools.
What is the best KiwiSaver comparison tool in New Zealand?
Sorted's Smart Investor is the best free, government-backed tool for browsing whole-of-market fund data. Kāhu compares the same 300+ funds and, as a licensed Financial Advice Provider (Financial Advice NZ Limited, FSP1009051), adds clear information on how funds fit your goals and helps you actually switch, which data-only tools cannot do. Kāhu provides information only, not personalised advice.
What is the difference between Kāhu and Sorted Smart Investor?
Sorted Smart Investor shows impartial fund data but states it provides general information, not advice, and hands you off to providers. Kāhu is a licensed Financial Advice Provider that provides information only, so it compares the market, shows you how funds fit your goals, and helps you switch — without giving personalised advice. Both are free to use.
Is Kāhu a free KiwiSaver comparison tool?
Yes. Comparing 300+ KiwiSaver funds and building a shortlist on Kāhu is free. Kāhu is operated by Financial Advice NZ Limited (FSP1009051) and does not sell its own KiwiSaver funds, so the comparison reflects performance, fees, risk, and fit rather than a provider's marketing budget.
Can Kāhu help me switch KiwiSaver funds?
Yes. Kāhu includes a guided switch flow that helps you move to a chosen fund and handles the paperwork. Switching KiwiSaver funds has no fees, penalties, or lock-in, and usually takes about 2–3 weeks. Most comparison sites only show data and refer you elsewhere to act.
Who should use Sorted or a provider's own tool instead of Kāhu?
Use Sorted Smart Investor if you only want impartial, government-sourced data to browse yourself with no guidance. Use a provider's own tool if you have already chosen that provider and want the deepest detail on their specific funds before joining.
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.
Compare the whole market, then switch with confidence.
See how 300+ KiwiSaver funds stack up on fees, performance, and fit. Free, and built by a licensed Financial Advice Provider.
Compare KiwiSaver funds