KiwiSaver Contributions Calculator

Updated 13 November 2023
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How much money will you need in retirement?
Is your KiwiSaver fund performing?
Are you on track for a comfortable retirement?

MoneyHub has taken an editorial decision to direct our users to Sorted's KiwiSaver Calculator due to the fact it follows guidance from the FMA and is published without bias or free of any commerciality. We are big fans of Sorted and encourage everyone to sign up to its website and make sense of their financial needs.

Are you looking to join KiwiSaver?
To help you make an informed decision on whether you should join KiwiSaver, switch funds or schemes altogether, only MoneyHub gives you all the facts. We suggest the following guides:

• KiwiSaver Scheme Reviews - every scheme reviewed in detail to help you compare apples with apples
• What to Consider when Choosing a KiwiSaver Fund - know what to look for before jumping in
• General KiwiSaver Guide - if you need the basics of KiwiSaver explained, this guide has you covered 
• KiwiSaver First-Home Withdrawal - if you plan to cash in your KiwiSaver nest egg for a home, this guide has everything you need to know
• KiwiSaver HomeStart Grant Guide - don't miss out on free money from the government; this guide has you covered
• KiwiSaver Hardship - understanding when you can and can't withdraw is important to manage expectations

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Related Guides

• ​KiwiSaver Hardship - ​if you're a KiwiSaver member and struggling with your finances, our guide explains everything you need to do to ask for an early redemption
• Contributions holiday - if you're wanting to take a break from contributing, our guide explains your options
• KiwiSaver HomeStart Guide - get a grant of up to $20,000 and access to your KiwiSaver fund for your first house or apartment deposit
• KiwiSaver First Home Withdrawal Guide - if you want to use your KiwiSaver balance for a house deposit, our guide explains everything you need to know
• Your KiwiSaver contributions - You can choose how much to contribute. Find out what happens when you go on leave, receive a benefit or entitlement, or have a tax debt
• Your employer's KiwiSaver contributions - If you're a KiwiSaver member making contributions from your pay, your employer will also contribute to your KiwiSaver savings
• Government KiwiSaver contributions - To help you save, the Government will make an annual contribution towards your KiwiSaver account as long as you meet certain conditions.​
• Voluntary contributions - make voluntary contributions (or lump sum payments) at any time, either directly to your KiwiSaver provider or through Inland Revenue​
• ​KiwiSaver and tax - KiwiSaver contributions are deducted from your before-tax pay, and our guide explains everything you need to know.
• How to check your KiwiSaver contributions - Keeping track of your KiwiSaver contributions is easy with 'My KiwiSaver'
• KiwiSaver Withdrawal - If you joined KiwiSaver on or after 1 July 2019, you can withdraw your savings when you qualify for NZ Super (currently 65)
• KiwiSaver Providers - ​You can choose which scheme to join, even if you're provisionally allocated to an employer-chosen/default scheme
• Opting out of KiwiSaver - If you're a new employee who's been automatically enrolled, you can choose to opt out of KiwiSaver
• KiwiSaver Fund Selection Guide - ​10 Must-Know Facts Revealing Everything You Need To Know About KiwiSaver
• Calculating your PIR - our guide covers everything you need to know to making sure you're paying the correct tax on investment fund earnings.