NZ KiwiSaver Calculator 2026
Project your KiwiSaver balance at retirement. See how your contribution rate (3%-10%), employer match, government contribution, and fund performance affect your retirement savings.
How KiwiSaver works
KiwiSaver is New Zealand's voluntary retirement savings scheme. You contribute 3%, 4%, 6%, 8%, or 10% of your gross salary. Your employer adds a minimum 3% (subject to ESCT). The government contributes up to $521.43 per year (50c per $1 of your contributions up to $1,042.86). Funds are invested in PIE-compliant schemes taxed at your Prescribed Investor Rate (10.5%, 17.5%, or 28%). You can access your savings from age 65 or for a first home purchase.
NZ KiwiSaver Calculator 2026 — Retirement Savings Projections
Free New Zealand KiwiSaver calculator. Project your retirement balance with your chosen contribution rate, employer 3% match, government contribution ($521/yr), and fund returns.