Calculator

KiwiSaver retirement projection

See what your KiwiSaver could be worth at 65, the monthly and weekly income it can support, and how much of your money comes from contributions versus investment returns. Inputs stay on your device — nothing is sent anywhere.

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Projection runs to NZ retirement age of 65. Assumes contributions and income stay constant in today's dollars and includes the member tax credit where you qualify. Return rates are illustrative, not a guarantee.

Projected balance at age 65
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Monthly income from KiwiSaver
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≈ 4% a year drawn down
Weekly income from KiwiSaver
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for reference
Years left to save
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until age 65
Where your money comes from
Your contributions + employer + govt—
Investment returns—
Scenario (medium)Balance at 65
Common questions

KiwiSaver retirement questions, answered

What is KiwiSaver and how much do I have to contribute?

KiwiSaver is New Zealand's government-backed retirement savings scheme. By default you contribute 3% of your before-tax income and your employer chips in at least 3% too. You can also earn a member tax credit from the government of up to about $521 a year on top of your own contributions.

How much will my KiwiSaver be worth at retirement?

It depends on how much you contribute, how long you have to grow the money, and the returns your chosen fund earns. Time and contributions do most of the heavy lifting — the longer your money is invested, and the more you put in, the larger the final balance. This calculator projects a low, medium and high outcome to show the range rather than a single guess.

What is the KiwiSaver member tax credit and how do I get it?

The government pays 50 cents for every dollar you contribute yourself (excluding employer contributions) each tax year, up to a maximum of about $521 for the year. That means you hit the cap once your own contributions reach about $1,043 in a year.

What are typical KiwiSaver returns by fund type?

Long-term returns generally rise with risk. Conservative and cash funds historically return the least but move the least, while balanced funds sit in the middle and growth or high-growth funds aim for the highest returns with more ups and downs. The figures in this calculator are illustrative only and are not a promise of future performance.