Your KiwiSaver balance reflects your contributions, your employer’s contributions, the government contribution and investment returns, less fees and tax. Your provider holds that balance: you can see it in your provider’s app or website, by phone, or on your annual statement. myIR shows the contributions paid to Inland Revenue and who your provider is, but not your overall balance.
This guide covers each way to check your balance and what the figures show.
Method 1: Your Provider’s App or Website
Your KiwiSaver provider keeps the record of your account. Inland Revenue says to contact your provider if you want to know your overall balance, your investment returns, or contributions you made directly to the provider (IRD: Tracking my KiwiSaver contributions). Most providers offer:
- A mobile app with your balance and transaction history
- An online member portal via their website
- Fund performance data and personalised return figures
Finding your provider’s portal
Providers listed alphabetically:
| Provider | Portal / App |
|---|---|
| ANZ | ANZ Internet Banking or the ANZ goMoney app |
| ASB | ASB Mobile Banking or FastNet Classic |
| BNZ | BNZ Internet Banking or BNZ app |
| Booster | Booster NZ app, or mybooster at booster.co.nz |
| Generate | generatewealth.co.nz member portal |
| Kiwibank | Kiwibank app or internet banking (shows your Fisher Funds KiwiSaver Plan balance) |
| Milford | milfordasset.com member portal |
| Simplicity | simplicity.kiwi member login |
| Summer | summer.co.nz member login |
| Westpac | Westpac One app |
If you’re not sure which provider you’re with, myIR shows it (see below).
Method 2: Phone Your Provider
If you prefer not to use online tools, you can call your provider directly. They can confirm your balance after verifying your identity.
myIR lists your provider’s contact details, or search “[provider name] KiwiSaver NZ phone number”.
Method 3: Annual Statement
Your provider’s annual statement shows your balance at the end of the 31 March financial year along with the year’s contributions, returns, fees and tax; the KiwiSaver statement guide explains how to read each line.
What myIR Shows (and What It Doesn’t)
myIR is Inland Revenue’s online service. It doesn’t show your overall KiwiSaver balance, but it is useful for checking that money is reaching your account. In myIR you can (IRD: Tracking my KiwiSaver contributions):
- Track the contributions paid to Inland Revenue (your employer sends the deductions from your pay to IRD)
- See when the government contribution arrives in your account
- Find your KiwiSaver provider and its contact details
- Update your KiwiSaver contact details
- Create a PDF of your income and KiwiSaver deductions to support a first home application
How to get to the KiwiSaver section
- Go to ird.govt.nz and click “myIR login”
- Log in with your myIR user ID and password (or register if you don’t have one)
- Go to the KiwiSaver section
Timing: contributions deducted from your pay can take up to a month to show in your account, so a recent pay day may not appear yet.
If You’ve Lost Track of Your Provider
myIR shows your current provider, and Inland Revenue’s KiwiSaver line for members (0800 549 472) can help if you can’t use myIR (IRD: KiwiSaver contact). For old payslips, past employers and forgotten accounts, see how to find a lost KiwiSaver account.
Understanding What Your Balance Means
Once you know your balance, here’s how to put it in context:
Is your balance on track for retirement?
The table below is an illustration of how balances can build up, not a target:
| Age | Rough balance target (moderate earner, growth fund) |
|---|---|
| 25 | $10,000–$25,000 |
| 30 | $25,000–$60,000 |
| 35 | $50,000–$100,000 |
| 40 | $80,000–$150,000 |
| 45 | $120,000–$220,000 |
| 50 | $170,000–$310,000 |
| 55 | $230,000–$420,000 |
| 60 | $300,000–$560,000 |
These are illustrative benchmarks only, based on average NZ salaries, 3.5% contribution rate (the default since 1 April 2026), employer 3.5%, government contribution, and growth fund returns of approximately 7% p.a. actual outcomes vary significantly by income, contribution rate, and fund type.
For a personalised estimate, use the Sorted retirement planner at sorted.org.nz.
Is your balance on track for a first home withdrawal?
If you’re saving towards a first home, your KiwiSaver balance is a key component of your deposit. You can withdraw your savings, leaving $1,000 in the account (money moved from an Australian scheme can’t be withdrawn), after three years of membership, through the first home withdrawal.
Use our KiwiSaver first home withdrawal amount guide to estimate your balance at different future dates and see how it compares to deposit requirements in your target area.
Checking Your Contribution History
Knowing your balance is one thing; understanding what’s driven it is another. Your provider portal or statement shows (myIR shows only the contributions paid to IRD and the government contribution):
- Your contributions: Payroll deductions from each pay period
- Employer contributions: Your employer’s contributions (generally at least 3.5% of gross pay), less ESCT
- Government contribution: Up to $260.72/year from the government (your provider applies for it after 30 June; check your account after the end of July, as it can take until the end of August)
- Investment returns: The gain or loss from your fund’s investment performance
- Fees: Shown in dollar terms on annual statements
If your employer contributions look lower than expected, check our employer contributions guide — employer superannuation contribution tax (ESCT) is deducted from your employer’s contributions, so the amount paid into your account can be less than the percentage.
If you’re not receiving the full government contribution, check whether your own contributions (excluding employer contributions) reached $1,042.86 in the KiwiSaver year; see the KiwiSaver government contribution.
What to Do After Checking Your Balance
If your fund type isn’t what you expected
If you never chose a fund, you may be in a default fund. You can change fund type through your provider; KiwiSaver fund types explained describes what each type invests in and how much its value can move.
If you’re paying high fees
Your annual statement shows the dollar amount of fees paid. The fees comparison table sets out other funds’ fees, and the switching providers guide explains how a transfer works.
If your balance looks low for your age
A higher contribution rate adds to your own contributions: each extra half a percentage point adds about $290 a year on a $58,000 salary. The how much to contribute to KiwiSaver guide works through the trade-offs.
If you find a lost KiwiSaver account
You can only be a member of one KiwiSaver scheme at a time, so an old balance with another provider is usually consolidated by transfer. The provider you want to keep arranges it; see how to find a lost KiwiSaver account.
Frequently Asked Questions
How often is my KiwiSaver balance updated? Your provider updates your balance continuously as contributions are received and investment returns are calculated. myIR does not show your balance; contributions deducted from your pay can take up to a month to show in your account. Fund unit prices (which determine your balance) are typically calculated daily.
Why does my balance sometimes go down? Investment returns fluctuate. A growth fund holds a large share of shares, so when share markets fall, your unit price falls and your balance decreases (KiwiSaver in a market downturn). Selling out of a fund after a fall turns a fall in unit prices into a realised loss.
Can I see my personalised return (not just the fund’s return)? Yes. Most provider portals show your money-weighted return — the actual return based on your specific contribution timing. This differs from the fund’s published return because you didn’t have all your money invested for the full period.
What if my balance is incorrect? Contact your provider first. If the error relates to missing contributions, check with your employer that deductions are being forwarded correctly. If the issue is unresolved, you can take it to the provider’s dispute resolution scheme (see KiwiSaver complaints).
How do I access my balance at 65? At 65 you can withdraw your full balance as a lump sum, set up regular withdrawals, or leave it invested. See the KiwiSaver at 65 guide for the options.
What to Read Next
- How to Enrol in KiwiSaver — joining KiwiSaver step by step
- KiwiSaver First Home Withdrawal Amount: how much you can take out for a first home
- How Much to Contribute to KiwiSaver?: optimising your contribution rate
- The KiwiSaver Government Contribution: up to $260.72 a year
- KiwiSaver Fees Comparison — are you paying too much?
- Switching KiwiSaver Providers : how switching works
- KiwiSaver at 65 — what happens when you can withdraw
- Getting started with KiwiSaver