KiwiSaver Retirement Calculator

See How Much Your KiwiSaver Could Grow by Retirement

This calculator helps you estimate the future value of your KiwiSaver when you reach age 65. Enter your current age, current KiwiSaver balance, salary, contribution percentage, and your expected annual growth rate. It also factors in your employer contributions and the annual Government contribution. Use this tool to understand how your regular contributions and investment growth can build your retirement savings over time, giving you greater confidence in your financial future.

KiwiSaver Future Value Calculator

Current Age:


Current KiwiSaver Balance ($):


Current Annual Salary ($):


Your Contribution (% of salary):


Average Annual Growth Rate (%):
(Note: Historically ranges between 5–10%)

Calculate

*This calculator assumes employer contributions of 4% of salary, plus an annual Government contribution of $521.43. Calculations are based on contributions and growth compounding annually until age 65. Actual returns depend on fund performance, fees, and your individual circumstances.