KiwiSaver Fee Calculator
Lifetime cost of KiwiSaver fees.
NZ$
NZ$
%
%
%
Lifetime cost of higher fees
$60,668
That's 15.9% of the lower-fee balance
| Fund A (1.20% fee) | $321,616 |
|---|---|
| Fund B (0.30% fee) | $382,284 |
| Difference | $60,668 |
About this calculator
A 0.5 percentage-point fee difference compounds dramatically over a 30-year horizon. This calculator shows the dollar cost of two fee levels on the same fund and contribution pattern.
- KiwiSaver fees in NZ range from about 0.30% (passive index funds) to 1.20% (active boutique funds).
- Sorted.org.nz publishes a comprehensive fund-finder including fees and after-fee returns.
Frequently asked questions
Are higher fees worth it?
Sometimes — if the fund consistently outperforms after fees. But academic evidence shows few active funds beat their benchmark net of fees over 10+ years.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.