Calculadora de KiwiSaver de Nova Zelanda
Projecta el teu saldo de KiwiSaver en jubilar-te a partir de salari, tipus d'aportació i rendiments.
S'executa al teu navegador. Els fitxers mai no surten del dispositiu. Mira com comprovar-ho
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Com es fa
- 1Omple els camps
Escriu els teus números o tria les opcions que necessites.
- 2Mira el resultat
La resposta s'actualitza a l'instant quan canvies un valor.
- 3Fes-lo servir
Copia el resultat o apunta'l. No s'envia res enlloc.
About this tool
Enter your salary, your contribution rate, the employer rate, your balance, the years and the expected return. The tool shows your yearly contributions, the total and the projected balance. Salary is held constant, so the result is in today's terms before inflation.
How KiwiSaver works
You put in 3, 4, 6, 8 or 10 percent of gross pay and your employer adds at least 3 percent, rising to 3.5 percent from April 2026 and 4 percent from April 2028. The government also adds a small contribution each year, which is not included here.
Example
On $75,000 at 3 percent with a 3.5 percent employer rate, $10,000 start, 5 percent for 30 years grows to around $0.55 million.
Tips
Fund choice matters over 30 years. Check fees and the risk of the fund, and use the first-home withdrawal rules if you plan to buy.
Exemple resolt
With the boxes at their starting values (Gross yearly salary (NZD): 75000; Your contribution: 3%; Employer contribution (%): 3.5; Current balance (NZD): 10000; Years to grow: 30; Expected return (%): 5), the tool shows: Your contribution per year (NZD): 2,250; Employer per year (NZD): 2,625; Total contributed (NZD): 156,250; Investment growth (NZD): 210,859; Projected balance (NZD): 367,109. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.
Consells per obtenir el millor resultat
Comprova cada camp abans de fiar-te d'un resultat, perquè una sola xifra errònia canvia tota la resposta. Fes servir els números exactes d'una nòmina, factura, certificat o contracte i anota la data del càlcul. Els tipus, els llindars i les regles canvien de tant en tant, de manera que per a impostos, taxes i qüestions legals considera el resultat una estimació i contrasta'l amb la font oficial indicada en aquesta pàgina. Pots provar tants escenaris com vulguis; no es desa ni s'envia res i recarregar la pàgina buida els camps.
En resum
- Categoria: Regne Unit i EUA
- S'executa al navegador, sense registre, sense pujar res.
- La informació que introdueixes es queda al dispositiu.
- Disponible en anglès.
- Contingut revisat per última vegada:
- Font oficial: Inland Revenue NZ
Preguntes freqüents
What do employers pay?
At least 3 percent of gross pay, rising to 3.5 percent in April 2026 and 4 percent in April 2028.
Is there a government contribution?
Yes, but it has been reduced. It is not included in the tool.
When can I withdraw?
At age 65, or earlier for a first home, serious illness or financial hardship.
Are results in today's money?
The salary is held constant and the return is nominal, so inflation will reduce what the final amount buys.