How much will I have in KiwiSaver at retirement?

Your KiwiSaver balance at 65 depends on your contribution rate (3%-10%), employer contributions (minimum 3%), government contributions (up to $260.72/year as of 2026), investment returns, and how long you've been contributing.

Can I change my KiwiSaver contribution rate?

Yes. You can choose to contribute 3%, 4%, 6%, 8%, or 10% of your before-tax pay. Contact your employer or KiwiSaver provider to change your rate. Changes typically take effect from your next pay cycle.

KiwiSaver Calculator

Project your KiwiSaver balance at retirement

KiwiSaver Projection

Your current age

Annual salary

Current KiwiSaver balance

Your contribution rate

Fund type

Projected balance at 65

expected (based on fund type)

Range:

In today's dollars:

Range: (adjusted for 2.5% annual inflation)

Years to retirement:

Cost: /fortnight

Balance projection

Annual contributions

Your contribution

Employer contribution (3%)

Government contribution

Total annual

Lifetime summary

Total contributions (yours + employer + govt)

Investment returns (expected)

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This calculator provides estimates only. Actual returns vary and past performance is not indicative of future results. KiwiSaver fund returns fluctuate year to year.

Government contribution is currently capped at $260.72/year. Employer contribution assumes the 3% minimum. Fees are not deducted.

KiwiSaver Retirement Projection

See how your KiwiSaver balance could grow from now until you reach 65. This calculator factors in your contributions, employer match, government contributions, and investment returns.

Your contribution — 3% to 10% of your salary

Employer match — minimum 3% on top of your salary

Government contribution — up to $260/year

Compound growth — investment returns on your growing balance