NZ KiwiSaver Calculator
Project your KiwiSaver balance at retirement from salary, contribution rate and return.
…
How to do it
- 1Fill in the boxes
Type your numbers or pick the options you need.
- 2See the result
The answer updates right away as you change a value.
- 3Use it
Copy the result or note it down. Nothing is sent anywhere.
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.
Frequently asked questions
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.