Why Simplicity?

Nonprofit, and a
default provider

We're here to make our members wealthier. We're a KiwiSaver default provider too.

Low, low

The less we take, the more you can make.


We invest with a conscience and apply the same standards to every dollar we invest.

15% of fees
to charity

We support great kiwi charities doing good. Over $5 million donated so far %)

Our Products


Switch in minutes. Grab your IRD number and driver’s licence or passport. We’ll do the rest. Simple %)

Investment Funds

Same investments, same low fees as our KiwiSaver funds, with full access to your money at any time. Sign up in minutes.

First Home Loans

Our 6.10% floating rate (with no early repayment fees) means you could get out of debt faster.

Our Charity

$5,851,634 and growing

Here are some of the charities we support.

Ethical Investing

We don't invest in



Gambling and Casinos

Civilian Firearms

Adult entertainment



Fossil fuels

We let the numbers do the talking

For all Simplicity KiwiSaver Funds and non KiwiSaver funds as at 02/06/2023



Annual fees saved
Simplicity has calculated the sum of the difference between the Total Expense Ratio (TER) for all diversified funds managed by Simplicity NZ vs the average TER for all KiwiSaver and non-KiwiSaver funds with the same risk profile. Based on Simplicity Funds Under Management as at 02/06/2023 (updated daily). TER data from smartinvestor.sorted.org.nz for the year ending 31/03/2022.

$36,344,130 *

An average of $260 per member.

Donations to the Simplicity Foundation


Funds under management


Current awards we’ve won

Inside our member site

Forecasting Tools

See how different fund types and contributions will impact your projected returns.

Linked Accounts

One central login can give you access to your and your family's accounts.

Total Transparancy

A complete breakdown of every investment, contribution, fee, tax and return, and all returns updated daily.

Easy Switching

Change the funds you're invested in online, at no charge.

Useful stuff

Media Centre

Our latest news and opinions.

Latest news

Learning Centre

Checkout our classrooms or sign up your workplace for a talk.



Understand the impact of your saving and investment decisions.


Frequently Asked Questions

Answers to all our members' most common questions.


Minutes to join

Grab your IRD number and driver licence or passport, and fill in the form. We’ll do everything else %)