We love KiwiSaver, but think it could be better. It's designed for people in PAYE and has a lack of flexibility that makes it hard for some to regularly contribute.

Beyond this we wanted to help solve the following:

• The retirement wealth gap - from 6 workers per retiree today, to 2 in 2050. Current settings are not affordable or sustainable; new tools that help every NZer contribute more can help.
• The missing million - 1.55 million people have a KiwiSaver account and do not regularly contribute. Over 1 million of those would receive the govt contribution if they did.

• Intergenerational wealth: Grandparents contributing to grandkids' KiwiSaver - Ben’s father in law and the 5 grandkids
• Non-PAYE earners: Self-employed and gig workers who miss out on PAYE contributions
• Life moments: Supporting families during maternity and early parenthood / helping save for the first home / tops ups as retirement nears

Real stories that matter

• Intergenerational wealth: Grandparents contributing to grandkids' KiwiSaver - Ben’s father in law and the 5 grandkids
• Non-PAYE earners: Self-employed and gig workers who miss out on PAYE contributions
• Life moments: Supporting families during maternity and early parenthood / helping save for the first home / tops ups as retirement nears

In-market results

• Live since late September 2025 with almost 2,000 active customers
• Over $240k in extra KiwiSaver contributions made
• [$50million placeholder; what it will look like in x years time if our current users continue with this behaviour]
• Strong retention — people stick with us

Market validation

• PR coverage highlighting our impact
• Recognition within the FinTech ecosystem - invited to join the Creative HQ Fintech Lab 2026 as one of 15 participants (out of approx 80 applicants)