Are you on a top‑performing KiwiSaver fund?

Find out in 60 seconds - chat with SortMe below to check

Most Kiwis stick with the wrong KiwiSaver — and it’s costing them thousands

More than half of KiwiSaver members never switch providers, even though the difference between top and bottom performers in the same risk level can mean tens of thousands of dollars by retirement.
 Maybe you joined KiwiSaver when you started your first job. Maybe your employer picked one for you. Either way, your fund might no longer fit your goals — or your risk profile.

SortMe makes it simple to find out

In one quick chat, you’ll see whether your current KiwiSaver is performing well for your risk level, how its fees compare to the median, and whether it’s still the right fit for your first-home or retirement goals.

Why people are changing KiwiSaver right now

Performance gaps are growing: The 5-year difference between top and bottom Growth funds can exceed 1.5% per year after fees — a gap that compounds over decades.Fees add up: A small 0.5% difference in annual fees can cut $25,000+ from your long-term balance.KiwiSaver rules are changing: From 2025, the government match halves to 25c per $1 you contribute (max $260.72), and default contribution rates rise to 3.5% in 2026 and 4% in 2028. Now’s the time to check your settings.Switching is easier than ever: Your new provider handles the transfer — it usually takes about two weeks, and your contributions keep flowing automatically.

How SortMe helps you find (and switch to) a better KiwiSaver

  1. Chat with SortMe — Answer a few quick questions about your goals (first-home or retirement) and your current fund.
  2. Get your fund report — SortMe checks after-fees, after-tax performance and fees vs peers using independent data.
  3. See your best-fit options — If there’s a stronger match, you’ll see the alternatives — and how they could change your long-term outcome.
  4. Switch in minutes — When you’re ready, SortMe connects you to a partner provider who handles the move for you. No forms, no phone calls.

FAQs

How long does it take to switch?

Usually around two weeks. Your new provider arranges everything with Inland Revenue and your old provider.

Does switching affect my contributions?

No — your employer and government contributions continue automatically once the switch is complete.

Is this financial advice?

SortMe gives you general information, not personalised financial advice. If you want advice for your situation, talk to a licensed Financial Advice Provider.

Is it really free?

Yes. A KiwiSaver performance review is totally free and there is no fee for changing KiwiSavers.
Note: SortMe provides general information, not personalised financial advice. Consider talking to a licensed Financial Advice Provider if you want advice for your situation. Past performance is not a reliable indicator of future performance. Provider switching is arranged by the new provider and usually takes about two weeks; some providers may charge a transfer fee.

Get clarity. Remove stress. Rech your goals.

Join the over 12,000 Kiwis being better with money
Try SortMe Now (14 day trial for just $1)

12,000+ users

Join the thousands of users that have taken control of their finances with SortMe.

I have already recommended you! I've been made to feel comfortable, and welcome. There is no judgement! The website is informative and easy to navigate. You make it seem like financial freedom is possible!

Kura Walker

SortMe is a great free tool to help you understand where your money goes. It is more comprehensive than some paid tools on the market and easier to use.

Erica

SortMe has done all the thinking behind what I need to set up a realistic budget, have oversight into my financial position, and make positive financial steps. I love the tips for saving it gives based on my spending - the random subscriptions that I didn’t want but hadn’t been able to quite nail down have been nailed down and cancelled! Super user-friendly. Highly recommend SortMe.

Jillian K

SortMe is a fantastic way to manage your finances. A solid 9/10 so far in terms of everything I’d hope for. I found it very seamless and a lot less convoluted than other apps out there.

Adrian H

I found a $780 transaction that I had forgot to expense back to the company. SortMe has already paid itself back may times. Brilliant.

Phil W

Before we found SortMe, we found it overwhelming trying to manage the various accounts between us. We could never quite figure out where our money was going. As soon as we signed up to SortMe, that changed instantly. We could see exactly what we were spending and where we needed to pull back. Amazing tool. Highly recommend.

Stacy & Craig

Easy to navigate. Easy visuals to track spends and proportion of income on spends. Particularly like the recurring transactions feature.

Shaunee M

SortMe has helped us find and cancel app subscriptions we didn't need. Saving us over $2,000 per year. It's so worth it.

Tim P

I wish I had this software years ago, it is dramatically changed my approach to spending. A game changer for me! Super easy to use and data presented in a meaningful way that keeps you motivated and not to spend too much!

Petra

Very easy to use platform - much nicer UX than other 'budgeting'/'tracking' software I've used previously. Swift replies from Customer Support (or directly from the CTO!) with any queries. Loving the daily update for keeping me in the know with money in and out.

Katie

My go-to for financial management, streamlining the chaos of multiple apps. It's an invaluable tool, simplifying the process with useful features like net worth, transactions, and goal setting. Now, I can easily track my financial health, contributing not just to financial clarity but also improving my overall well-being.

Daniel B

SortMe is the perfect solution for taking control of my finances. Many useful features (bank connection, automatic categorisation, budgeting, net worth, etc) that really tick the boxes of everything I could want from personal finance software. Finally found an upgrade from the homemade Excel spreadsheet!

Tim T

Recommended by industry professionals

SortMe is the recommended money management app by financial advisors.

Recommended by industry professionals

SortMe is the recommended money management app by financial advisors.