KiwiSaver calculator
Project your KiwiSaver balance at retirement from your contributions, your employer's, the government's, and expected fund growth.
Balance over time
Your projected balance from now until retirement — notice how growth accelerates in later years.
What this means for you
See how much of your final balance comes from investment growth, and how a higher contribution rate would change it.
Compare fund types
See how much your projected balance shifts between a more conservative and more aggressive fund.
| Fund type | Assumed return | Projected balance |
|---|---|---|
| Conservative | 4% | $0 |
| Balanced | 5.5% | $0 |
| Growth | 7% | $0 |
| Aggressive | 8.5% | $0 |
Your currently-selected fund is highlighted. Higher-growth funds swing more year to year — the smoother conservative numbers don't mean lower risk of running out, just lower volatility along the way.
Assumptions & sources
IRD KiwiSaver government contribution rules; long-term fund return averages by risk category from Sorted/FMA fund comparison data.
1 July 2026
17 July 2026
Year-by-year projection: your and your employer's contributions plus the government contribution (while eligible) are added annually, then the whole balance compounds at your selected fund's assumed return rate.
Your contributions, employer contributions, government contribution (until age 65), and investment growth at your selected fund's assumed rate.
Fund fees beyond what's baked into the return assumption, future salary increases, and any withdrawals (e.g. for a first home) during the projection period.
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Read article →What's built into this projection
From 1 April 2026, the default minimum contribution rate for both employees and employers is 3.5% of before-tax pay, rising again to 4% from 1 April 2028 — this calculator uses your selected rate for the whole projection rather than modelling that future step-up. The government adds 25 cents for every dollar you contribute, up to $260.72 a year, provided you contribute at least $1,043 in the KiwiSaver year and earn under $180,000.
Fund return assumptions (Conservative 4%, Balanced 5.5%, Growth 7%, Aggressive 8.5%) are long-term planning averages after typical fees, not a promise — growth funds swing much more year to year than conservative funds, and past performance never guarantees future returns. This projection also keeps your salary flat in today's dollars rather than modelling future pay rises.
Frequently asked questions
From 1 April 2026, it's 3.5% of before-tax pay for both employees and employers, up from 3%. It rises again to 4% from 1 April 2028. A temporary reduction back to 3% can be requested from Inland Revenue for 3-12 months.
25 cents per dollar you contribute, up to $260.72 a year, since 1 July 2025. You need to contribute at least $1,043 in the KiwiSaver year (1 July - 30 June) to get the full amount, and earn under $180,000 a year.
