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KiwiSaver Retirement Calculator

2025/26
Your Details
$
$

Deducted from your before-tax pay

Minimum 3% by law

$

Max $521.43/year (member tax credit)

2% Conservative8% Growth
Your Retirement Projection

Projected Balance at 65

$536,277.33

Monthly Retirement Income

$2,405.83

Drawn down over 25 years

Replacement Rate

38.5%

Aim for 65-80% of your working income

Savings Breakdown
Years to Retirement35 years
Your Total Contributions$78,750.00
Employer Total Contributions$78,750.00
Government Contributions$18,250.05
Starting Balance$15,000.00
Investment Earnings$345,527.28
Projected Balance$536,277.33
More Information
Frequently Asked Questions

What KiwiSaver rate should I choose?

You can contribute 3%, 4%, 6%, 8%, or 10% of your before-tax pay. A higher rate means more savings for retirement but less take-home pay now. Most people start at 3% and increase over time. Your employer must contribute at least 3% regardless of your rate.

How much do I need to retire in New Zealand?

A common guideline is to aim for 65-80% of your working income in retirement. NZ Super provides a base income, so your KiwiSaver needs to fill the gap. For a comfortable retirement, many advisors suggest a KiwiSaver balance of $500,000 to $750,000 by age 65, depending on your lifestyle.

What is the government contribution?

The government contributes 50 cents for every dollar you put in, up to $521.43 per year. To get the full amount, you need to contribute at least $1,042.86 per year. This is sometimes called the member tax credit. You must be 18 or over and under 65 to receive it.

Note: This is an estimate only. Actual returns depend on your fund's performance. Past returns do not guarantee future results.

Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms

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