KiwiSaver Fee Calculator NZ 2026

This calculator works out what your KiwiSaver fund actually costs you each month and year, so you can see the real impact of fees before they quietly erode your retirement savings. You enter your current KiwiSaver balance, the annual management fee your provider charges as a percentage of that balance, and any flat monthly platform fee charged on top. The calculator applies your percentage fee to your balance, divides it across twelve months, then adds the flat monthly charge to give your Monthly Fees, and multiplies that by twelve for your Yearly Fees, a clear annual cost you can compare against other providers or funds. This matters because even a small difference in percentage fees can add up to hundreds of dollars a year once applied to a growing balance, and that gap compounds over the decades your money stays invested. Use the results to check your latest KiwiSaver statement against what you are actually paying, to compare quotes when switching providers or funds, or to see how a rising balance increases the dollar cost of a percentage based fee even though the rate never changes. Update the balance figure as your savings grow so the numbers stay relevant. These figures are indicative estimates based on the inputs you provide and typical fee structures, so check your provider's fund update or disclosure statement for its exact current rates before switching.