KiwiSaver retirement growth calculator
Project your KiwiSaver balance at age 65 with 3% employer match, $521.43 government credit and compound returns. Free NZ calculator.
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About this tool
Forecast your KiwiSaver retirement nest egg based on your salary, employee rate, 3% employer match, and annual government member tax credit.
How to use it
- 1 Enter your current age, planned retirement age, and starting KiwiSaver balance.
- 2 Enter your annual salary and choose your contribution percentage (3%, 4%, 6%, 8%, or 10%).
- 3 Select your fund risk profile (Conservative, Balanced, Growth, or Aggressive).
- 4 Review your projected total nest egg, investment returns, and contributions breakdown.
Questions
Can I withdraw my KiwiSaver early?
KiwiSaver funds can generally only be accessed at age 65, for purchasing a first home, or in cases of significant financial hardship or serious illness.
What is the annual KiwiSaver government contribution?
The government pays 50 cents for every dollar you contribute between 1 July and 30 June, up to a maximum credit of $521.43 per year.
What is the compulsory employer contribution in New Zealand?
Employers must contribute at least 3% of your gross salary if you are contributing to KiwiSaver and aged 18 to 65.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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