Tools
KiwiSaver Calculator
Estimate how much your KiwiSaver could be worth at retirement based on your current balance, contributions, and investment returns.
Use this free KiwiSaver calculator to estimate how much your retirement savings could be worth. Enter your current balance, salary, and contribution rate to project your KiwiSaver balance at retirement — including employer contributions, government top-ups, and the power of compound investment returns.
For personalised KiwiSaver advice, speak with us — we look after clients right across New Zealand and can review your fund, contribution strategy, and retirement plan with no commissions and no conflicts of interest.
Get a Free KiwiSaver ReviewYour Details
Are you currently making KiwiSaver contributions?
Return assumptions based on Sorted.org.nz long-term benchmarks. Actual returns may be higher or lower.
Projected Balance at 65
$1,092,559
≈ $840/week over 25 years
$112,000
Your Contributions
$9,125
Govt Top-Up (est.)$260.72/year × 35 years = $9,125 in total top-up contributions.
$872,434
Investment GrowthThis is the total return generated by compounding your contributions, employer contributions, and government top-up over 35 years, based on your selected expected annual return of 7.5%.
Balance Over Time
- Projected Balance
- Total Contributions
Want personalised KiwiSaver advice?
We can review your current fund, contribution strategy, and help you build a retirement plan tailored to your goals.
Get in TouchCommon Questions
KiwiSaver FAQs
How much will I have in KiwiSaver when I retire?
It depends on your starting balance, contribution rate, salary, employer contributions, and the investment returns of your chosen fund. Use the calculator above to get a personalised estimate based on your own numbers.
What KiwiSaver contribution rate should I choose?
The minimum employee contribution is 3.5% of your salary. Increasing to 4%, 6%, 8%, or 10% can make a dramatic difference to your retirement balance over time — and your employer must match at least 3%, giving you an immediate return on those contributions.
How does the KiwiSaver government top-up work?
From 1 July 2025, the government contributes 25 cents for every dollar you contribute, up to a maximum of $260.72 per year. To receive the full top-up, you need to contribute at least $1,042.86 in the year. This is essentially free money — make sure you qualify each year.
Which KiwiSaver fund should I be in?
Most New Zealanders are in the default or wrong fund for their age and risk profile. A conservative fund may feel safer but can cost you significantly over a long time horizon. Independent advice considers your goals, timeline, and tax situation — not just the fund name.
Can I get independent KiwiSaver advice in New Zealand?
Yes. Bespoke Wealth is an independent, fee-based financial adviser and we look after clients right across New Zealand. Whether you're in Auckland, Wellington, Christchurch, or anywhere in between, we can help you review your KiwiSaver fund, contribution strategy, and retirement plan — with no product bias and no commissions. If you'd like to speak with us, get in touch and we'll arrange a time that works for you.
Speak With UsShould I make lump-sum contributions to KiwiSaver?
Voluntary lump-sum contributions can boost your balance and help you reach the $1,042.86 threshold to qualify for the full government top-up each year. They can be especially effective earlier in your working life when compound growth has more time to work.