A Moneybren tool
KIWISAVER CALCULATOR
How big will your KiwiSaver be at 65? Includes your employer’s share, the government’s share, and the tax on both.
Your details
yrs
$
$
%
3.5% is the legal minimum from 1 April 2026. Tax (ESCT) comes off this before it reaches your account.
% pa
FMA prescribed assumption for this fund type, after fees and tax. Edit it if you disagree.
% pa
yrs
% pa
Used to show the result in today’s dollars.
At 65 you’d have
$0
You put in$0
Employer added (after tax)$0
Government added$0
Returns earned$0
How it builds
Year-by-year detail
| Age | You | Employer (after tax) | Government | Returns | Balance |
|---|
The fine print, honestly. Employer contributions are taxed (ESCT) before they reach your account — at your salary the calculator picks the right rate from IRD’s brackets automatically. The government adds 25c for every $1 you contribute, capped at $260.72/yr, only while you earn $180,000 or less and are under 65. Returns use the FMA’s prescribed assumptions for each fund type (after fees and tax) — deliberately conservative, so real long-run results may be better. Assumes steady employment, no first-home withdrawal, no savings suspensions, and contributions credited yearly.
How to use this calculator
Enter your age, salary, and current balance, pick your contribution rate and fund type, and the calculator projects your KiwiSaver to retirement — showing exactly how much came from you, your employer, the government, and investment returns.
The single biggest lever is your fund type: switch between Conservative and Growth and watch what happens to the final number. The second biggest is your contribution rate.
This is a tool only, and none of the information it produces is financial advice. Its accuracy is not guaranteed. Always check your own figures and get advice from your own financial professionals before making decisions.