KiwiSaver calculator
Calculate KiwiSaver retirement growth with employee and employer contributions, annual government tax credit and compound returns.
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About this tool
Forecast your KiwiSaver retirement fund growth in New Zealand. Factors in employee contributions (3% to 10%), mandatory 3% employer matching, annual government member tax credits (up to $521.43), and expected fund returns.
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
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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