KiwiSaver Calculator

See what your KiwiSaver could grow to by 65, with your employer’s contributions, the government contribution and your fund type.

Your age

Salary

Before tax

KiwiSaver balance now

You put in

Fund type

Long-term average growth after fees: about 6.5% a year

More options· 3% pay rises

Pay rises

A year

Inflation

A year

At 65 you could have

$1,068,612

Putting in 3.5000000000000004% of your pay, with your employer’s 3.5% and the government contribution

In today’s money: $450,282
Yearly income at 4%, in today’s money: $18,011

What you have now$20,000
You put in$168,583
Your employer adds$113,783
Government contribution$8,343
Investment growth$757,903

What this means

About 71% of it is investment growth, not money you put in. The earlier you start, the longer each contribution has to grow.

Your employer adds $113,783 over the years: extra pay you only get by saving yourself.

Prices will rise, so $1,068,612 in 35 years buys about what $450,282 buys today.

Next step

Year by year

Age	You	Employer	Government	Balance
35	$3,151	$2,206	$261	$56,895
40	$3,653	$2,448	$261	$113,582
45	$4,235	$2,838	$261	$196,111
50	$4,910	$3,290	$261	$315,389
55	$5,692	$3,814	$261	$486,005
60	$6,598	$4,421	$261	$728,104
65	$7,649	$5,125	$0	$1,068,612

This year (2026–27)

You put in	$2,450
Your employer (3.5%)	$2,450
Less ESCT tax on it	−$735
Government contribution	$261

From 1 April 2028, the default and employer rates rise to 4%.

Assumptions in this estimate

Your employer puts in 3.5%, less employer superannuation contribution tax (ESCT). From 1 April 2028, the default and minimum employer rates rise to 4%.
The government adds 25 cents for each dollar you put in, up to $261 a year, if you earn $180,000 or less.
Growth is a long-term average after fees and tax for each fund type, and returns go up and down. Your pay rises by 3% a year, and “in today’s money” takes off 2.5% inflation a year.
You can usually withdraw your KiwiSaver at 65, when NZ Super also starts. The 4% figure is a common rule of thumb for a yearly income.

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How the calculator works

Your contributions: your chosen rate of your pay, from 3.5% to 10%.
Your employer’s: 3.5% of your pay (4% from April 2028), less ESCT.
The government’s: 25 cents for each dollar you put in, up to $260.72 a year.
Growth: a long-term average after fees and tax for your fund type.

Examples

Starting at 30 on $70,000 with $20,000 saved, and 3% pay rises:

You put in	Fund type	At 65	In today’s money
3.5%	Balanced	$1,069,000	$450,000
6%	Growth	$1,851,000	$780,000

Last updated October 14, 2026

Frequently asked questions

How much will my KiwiSaver be worth at 65?

Starting at 30 on $70,000 with $20,000 saved, putting in 3.5% in a balanced fund, you’d have about $1.07 million at 65. That’s about $450,000 in today’s money.

What are the KiwiSaver rates in 2026–27?

Since 1 April 2026, the default is 3.5% of your pay, with at least 3.5% from your employer. You can also choose 4%, 6%, 8% or 10%. Both rise to 4% from 1 April 2028.

How do I get the full government contribution?

Put in at least $1,042.86 between 1 July and 30 June. The government adds 25 cents for each dollar, up to $260.72. You don’t get it if you earn over $180,000.

What is ESCT?

Employer superannuation contribution tax: tax on your employer’s contributions, at 10.5% to 39%, depending on your salary plus their contributions.

When can I take my KiwiSaver out?

Usually at 65. You may be able to take some out earlier to buy your first home.