Ask Cassie — for life's money moments

Your Whole Picture

Your KiwiSaver doesn't exist in isolation. Your work, income, home and life all shape where you're heading.

Most KiwiSaver calculators look at one thing at a time. Your Whole Picture lets you bring the moving parts together – so you can see what your current settings could mean for you, and what happens when life doesn't follow a straight line.

See how your life could shape your KiwiSaver

You might be changing jobs, taking time away from work, buying your first home, changing your income – or several of these things at once.

With Your Whole Picture, you can model the changes that matter to you and see how they affect your KiwiSaver over time.

It's designed around your actual life, not an average one.

Your journey

1

See where you stand

Start with a free assessment using your own numbers. See where your current KiwiSaver settings are likely to take you, then explore different contributions, income changes, career breaks and other choices to see how they could change the picture.

Free to start

2

Get personalised advice

If you'd like to go further, receive personalised written advice based on your circumstances and the picture you've built. We'll review your fund, provider and contribution settings, explain what we'd recommend and why, and help you decide what – if anything – is worth changing.

Go further • $150

3

Talk it through

Sometimes you just want to ask questions. After you've received your advice, you can book a 15-minute conversation with a licensed adviser to talk through the recommendations and decide what to do next.

Optional conversation • $100

What you'll leave with

  • A clearer picture of where your KiwiSaver could take you
  • An understanding of how different life changes could affect the outcome
  • Confidence that your current settings still fit your circumstances – or clear recommendations if they don't
  • Independent, personalised advice from a licensed Financial Advice Provider
  • Practical next steps you can act on

Ready to see your whole picture?

Start with the free assessment. It only takes a few minutes.

Start my assessment