New Zealand KiwiSaver Calculator

KiwiSaver Calculator

Estimate your future KiwiSaver balance using your current balance, salary, contribution settings and long-term planning return assumptions.

This calculator is a guide only. Returns are assumptions and are not guaranteed.

Current KiwiSaver balance Gross annual salary Annual pay rise Optional expected yearly salary increase. Default is 0%. Employee contribution Employer contribution Employer contribution option Some employers match the employee contribution. Choose match to use the selected employee rate. PIR Prescribed Investor Rate. This is the tax rate generally used for KiwiSaver investment income. Current age Projection period Years to project from today. Government contribution

Fund allocation

Split your KiwiSaver balance across fund categories. The total must equal 100%.

Total: 100%

Conservative 2.5% assumed return Balanced 3.5% assumed return Growth 4.5% assumed return High Growth 5.5% assumed return

Estimated final balance $0.00

Total contributions $0.00

Investment earnings $0.00

Employee contributions: $0.00 Net employer contributions: $0.00 Government contributions: $0.00 Blended planning return: 4.5%

Year	Age	Salary	Employee	Employer net	Government	Earnings	Balance

Assumptions and notes

This calculator provides an estimate only. Returns are long-term planning assumptions and are not guaranteed. Actual KiwiSaver returns vary by provider, fund, market performance, fees and tax.

Employer contributions are reduced by estimated ESCT before being invested. Government contributions depend on eligibility and may change. Annual pay rise is applied to salary-based employee and employer contributions. Fees, tax, salary changes and contribution changes may affect results.