Time For A KiwiSaver Health Check?
Book a free review with a real adviser and lock in your guaranteed share of $2,000 in digital gift card rewards this month.
What happens in your KiwiSaver Health Check?
Our licensed advisers review five key areas in a free 20–30 minute session.
Fund Type Fit
Conservative, Moderate, or Growth? We ensure your risk level matches your age and timeline.
Contribution Rate vs Goals
Are you putting in the right amount to maximise government and employer contributions?
Provider & Fee Comparison
Banks aren't always best. We compare fees and performance against market leaders.
Retirement or First-Home Readiness
Whether buying your first home or planning for 65, we align your KiwiSaver to your timeline.
Personalised Next Steps
Clear, actionable recommendations in plain English. No obligation to switch — ever.
Real advisers. Plain English. No jargon.
We're not a bank call centre. We're a team of licensed humans who genuinely want to help.
Licensed & Regulated
FSP706532 — regulated by the Financial Markets Authority. Your protection is built in.
Independent Advice
We give independent KiwiSaver advice, focused entirely on what's right for you and your family.
Human-Led Conversations
Real adviser conversations, not automated chatbots. Your questions answered by a real person.
Over 10,000 Kiwis have already reviewed their KiwiSaver with us
Real feedback from people who took 30 minutes to get their KiwiSaver checked.
"The adviser helped me understand my fund for the first time. Switched from conservative to growth and I'm already seeing better returns."
"Guided us step-by-step for our first home withdrawal. They made the whole process feel easy and stress-free. Couldn't recommend more."
"The advice was clear, helpful, and easy to act on. No pressure, no jargon. Just honest guidance. Plus the gift card was a nice bonus!"
It takes less than 30 minutes
Three simple steps. No paperwork, no pressure, no cost.
Book Online
Choose your time below. It takes less than 2 minutes to fill in the form.
Chat With an Adviser
A licensed adviser reviews your KiwiSaver in a free 20–30 minute session via video or phone.
Get Your Results + Reward
Receive a personalised summary with clear next steps — plus your digital gift card reward for eligible completed reviews.
Book Your Free KiwiSaver Health Check
Fill in your details and we'll be in touch to arrange a time that works for you.
Free. No obligation. Takes 60 seconds.
Smart questions you may be asking
Everything you need to know before booking your free Health Check.
Yes. Carrot earns commission from providers, not from you. Your Health Check is 100% free with no obligation to switch or change anything.
Every eligible completed KiwiSaver Health Check this month receives a guaranteed share of the $2,000 digital gift card reward pool. It is not a draw — everyone who completes a review gets a reward. One per household, while the monthly pool lasts.
Licensed New Zealand financial advisers under FSP706532, regulated by the Financial Markets Authority. Real humans, not chatbots.
We work across a range of leading NZ KiwiSaver providers. We're not tied to any single provider — we give independent advice focused entirely on what's right for your situation.
Typically 20–30 minutes via phone or video call. The booking form itself takes under 2 minutes.
We make personalised recommendations based on your situation. No hard sell. You are under no obligation to switch, change, or buy anything.
