KiwiSaver Retirement Calculator
Project your KiwiSaver balance at retirement based on your contributions and investment returns
This calculator projects your KiwiSaver balance at retirement age, factoring in your contributions, employer match (after ESCT tax), government contribution, and expected investment returns.
Average annual pay rises (e.g., 2-3% typical, 0% if conservative)
Note: Minimum increases to 3.5% in April 2026, then 4% in April 2028
Minimum 3%. Some employers contribute more. ESCT tax (~30%) is deducted.
Projected Balance at Age 65
$885,755
In 35 years
Estimated Weekly Retirement Income
$681/week
Based on 4% sustainable withdrawal rate
Current Year Contributions
Balance Breakdown at Retirement
Contribution Rate Increases
Your projection accounts for minimum contribution rate increases:
- • Current: 3%
- • From April 2026: 3.5%
- • From April 2028: 4%
Important Notes
- • Assumes 2% annual salary increase over 35 years
- • Employer contributions are taxed at ESCT (~30% deducted before reaching your account)
- • Minimum contribution rate increases to 3.5% (April 2026) and 4% (April 2028)
- • Returns are not guaranteed and vary year-to-year
- • This doesn't include fund fees, PIE tax, or inflation
- • NZ Super will supplement your KiwiSaver income
Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Actual loan terms, rates, and eligibility may vary. Please contact a Mortgage Lab adviser for personalised advice.
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