KiwiSaver Calculator NZ
Estimate how your KiwiSaver could grow over time. Factor in your current balance, contribution rate, employer contributions, fund returns, inflation, and planned withdrawals - for both first home and retirement scenarios.. Try our year-by-year projection calculator
Projections are estimates only. Actual outcomes depend on market performance, your provider, fund type, and future policy. For personalised advice, book a free session with Cam.
What the calculator models
Enter your situation at the top, then adjust income, contributions, and fund type through the accumulation phase. The tool shows both nominal balances and inflation-adjusted purchasing power.
Accumulation phase
Model your KiwiSaver growth through your working years - factoring in your contribution rate, employer contributions, current balance, fund type returns, and the government member tax credit of up to $260.72 per year.
First home withdrawal
Planning to use KiwiSaver for your first home? The calculator lets you model a withdrawal at a point in time and see how your balance continues to grow from there towards retirement.
Retirement withdrawals
Set an annual withdrawal amount in retirement and see how long your KiwiSaver could last. Withdrawals adjust year-by-year and are shown in today's dollars so you can plan meaningfully.
Actual KiwiSaver outcomes will vary depending on market performance, your provider, the fund you are invested in, contribution consistency, and future government policy changes.
KiwiSaver calculator questions
What is a KiwiSaver calculator?
A KiwiSaver calculator helps estimate how much your balance could grow over time based on your contributions, employer contributions, investment returns, inflation, and any planned withdrawals at retirement or for a first home.
Are KiwiSaver returns guaranteed?
No. Returns vary based on market performance, the fund type you are invested in, and your provider. The calculator uses assumptions to model projections - actual outcomes will differ. Use it for planning purposes, not as a financial guarantee.
What KiwiSaver contribution rate should I use?
Employees can choose from 3%, 3.5%, 4%, 6%, 8%, or 10% of gross salary. You can change your rate at any time by contacting your employer or provider. The right rate depends on your budget, goals, and whether your employer matches above the minimum 3.5%.
What fund type should I put in the calculator?
Growth and aggressive funds have historically returned more over long timeframes but with more short-term volatility. Conservative and balanced funds are more stable but grow more slowly. If you are unsure what fund you are in or whether it suits you, Cam can review this in a free session.
Should I get personalised KiwiSaver advice instead of using a calculator?
A calculator gives you a useful estimate but cannot account for your full situation - your provider's fees, your specific fund's performance, or whether you are in the right fund at all. A free session with Cam gives you personalised recommendations that a calculator cannot.
Learn how to use year-by-year projection planning for better financial outcomes.
Trusted by Kiwis like you
"A really worthwhile experience! I particularly found helpful the spreadsheet predicted forecast of what we could expect to end up with when we retire."
"When I met with Cam he was incredibly informative - went through everything in detail, showed me graphs and projections, which was more than my previous provider ever did. He wasn't pushy at all, just very thorough and knowledgeable. Cam is always available and very quick to respond to messages. I'm so happy I changed."
"He helped me work out which KiwiSaver option best suited my goals. Cameron was accommodating, took the time to explain everything clearly, and never made me feel pressured. His positive outlook on life makes you feel excited about investing in your future. I'd highly recommend speaking with Cameron."