📈 KiwiSaver Projection Calculator

Estimate your retirement balance at age 65 (Updated for April 2026 Rules).

Current Age

Current Balance ($)

Annual Salary ($) Gross (before tax)

Your Contribution

Fund Type (Expected Annual Return) *Returns are estimates after fees and taxes. Past performance is not a guarantee of future returns.

⚠️ Government Contribution Note: Based on your salary and 2% annual growth, your income is projected to exceed $180,000 during this period. The government contribution has been excluded for years where projected salary exceeds this threshold.

Estimated Balance at Age 65

Projection Breakdown

Starting Balance:

Your New Contributions:

Employer Contributions (3.5%, after ESCT):

Government Contributions:

Estimated Investment Returns:

*This calculator provides an estimate only. It assumes a 3.5% employer contribution (after approximate ESCT deduction), a 2% annual salary growth, and a government contribution of 25c per dollar (capped at $260.72/yr) for years where salary is under $180,000. Contributions are modelled as mid-year for more accurate compounding. Real returns will fluctuate based on market conditions.

KiwiSaver Projection Calculator NZ

KiwiSaver is one of New Zealand’s most effective long-term savings schemes. Understanding how your contributions, employer contributions, government contributions, and investment returns work together can help you estimate your retirement balance more accurately.

Our KiwiSaver Projection Calculator NZ helps you estimate what your balance could look like over time based on your income, contribution rate, and fund type.

How KiwiSaver Works

KiwiSaver grows through three main sources:

Employee contributions: From 1 April 2026, you can contribute 3.5%, 4%, 6%, 8%, or 10% of your gross salary or wages.
Employer contributions: Most employers must contribute at least 3.5% of your gross pay from 1 April 2026, subject to ESCT.
Investment returns: Your provider invests your money in assets such as shares, bonds, and property. These returns may increase or decrease over time.

Government Contribution

The New Zealand Government contributes 25 cents for every dollar you contribute, up to a maximum of $260.72 per year.

To receive the full amount, you must contribute at least $1,042.86 during the KiwiSaver year from 1 July to 30 June.

If you are employed and contributing regularly, you may reach this threshold automatically. If not, you can make voluntary contributions before 30 June to qualify.

Why Fund Type Matters

Your fund type can have a major impact on your long-term balance.

Conservative funds: Lower-risk funds that usually hold more cash and bonds.
Balanced funds: A mix of growth and defensive assets.
Growth funds: Higher-risk funds with more shares and property, which may offer higher long-term returns but bigger short-term swings.

For long-term investing, even a small difference in fund type can have a significant effect over time.

Why Use a KiwiSaver Calculator?

A KiwiSaver calculator can help you estimate:

Your projected retirement balance.
The impact of different contribution rates.
The effect of employer and government contributions.
How much difference fund choice can make over time.

This makes it easier to compare scenarios and choose the settings that best suit your goals.

Disclaimer

This calculator provides an estimate only and is not financial advice. Investment returns are not guaranteed and may vary over time. For advice about your KiwiSaver settings, speak to a licensed financial adviser.