KiwiSaver Calculator
Forecast your potential KiwiSaver balance and/or first home deposit. The assumptions used in the calculator are set by the government and are important because they affect the result of the calculation. Find out more on the Financial Markets Authority website.
This tool provides estimates only. The rates of return are after tax of 28% (the highest and most common tax rate for KiwiSaver members) and average fees for your fund type.
Enter dollars; formatting applies automatically.
Salary grows at 3.5% p.a. nominal (FMA assumption).
Projection Summary (today's dollars)
Projected lump sum at 65
$0
Projected weekly income 65–90
$0
Enter your details to see your projection. Weekly income assumes a real post‑ret return of 2.5% nominal minus 2% inflation.
Growth Trajectory
Projection from your current age to 65.
Age 65 target
--
Enter inputs to preview growth
Assumptions
- Inflation 2% p.a.; salary growth 3.5% p.a. (nominal).
- Retirement age 65; withdrawals cease at 90.
- Pre‑retirement returns (after fees & 28% PIR): Defensive 1.5%, Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5%.
- Post‑retirement return 2.5% nominal (used as ~0.49% real for weekly payments).
- One‑off contributions UI‑capped to $1,500 p.a. (tool constraint only).
- Default employee rate schedule: 3% now → 3.5% from 1 Apr 2026 → 4% from 1 Apr 2028. Toggle off to set a fixed rate.
- Employer contributions net of ESCT (user‑selectable rate). Government contribution (MTC) assumes simple age eligibility 18–64.