Retirement calculators for New Zealand
Retirement savings, pensions and contributions.
- 3 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
Guides
All New Zealand guides- Retirement & saving KiwiSaver contributions in 2026–27: the new 3.5% rate How much goes into your KiwiSaver from 1 April 2026, in plain English. Your 3.5% default rate, what your employer and the government add, and a worked example. Read the guide
- Retirement & saving How much should I save in KiwiSaver? How much to save for retirement in New Zealand, why starting early matters most, a simple target, and how to get the most from KiwiSaver on top of NZ Super. Read the guide
- Buying a home First home buyer guide: KiwiSaver, First Home Loan and costs Buying your first home in New Zealand: using KiwiSaver for the deposit, the First Home Loan with 5% down, how much you can borrow and costs to plan for. Read the guide
- Pay & benefits NZ Super and benefit payment dates and Winter Energy Payment When NZ Super and main benefits are paid, how Christmas and New Year 2026–27 changes the dates, and the Winter Energy Payment rates and season. Read the guide
- Investing Capital gains in NZ: the bright-line test, shares and FIF When capital gains are taxed in New Zealand: the 2-year bright-line test for property, buying to sell, crypto, NZ and overseas shares, and the FIF rules. Read the guide
- Investing Index funds vs picking stocks in New Zealand: why go passive Why most fund managers fail to beat an index fund, what fees cost you, how index funds are taxed in New Zealand, and how to start in or outside KiwiSaver. Read the guide