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KiwiSaver Contributions Calculator

Updated 1 June 2026​

Summary
  • Our KiwiSaver Contributions Calculator shows what your KiwiSaver could be worth by the time you retire.
  • Enter your age, salary, current balance, contribution rate and fund type, and you'll see your projected balance at 65, split out between what you put in, your employer's contributions, the government contribution and investment returns.
  • It's fully updated for the KiwiSaver rules that took effect on 1 April 2026, including the new 3.5% default contribution rate.
  • We use the same return and salary-growth assumptions the Financial Markets Authority (FMA) requires every provider to put on your annual statement, so the figures line up with what you already receive.
  • Change your contribution rate or fund type to see the difference even small adjustments make over a working life.

Your KiwiSaver details

Your contribution rate
Fund type
Assumed return: 3.5% p.a. after fees and tax (FMA assumption)

Calculator reflects KiwiSaver rules from 1 April 2026. Fund return rates use the Financial Markets Authority (FMA) assumptions used on your annual KiwiSaver statement, which are net of fees and tax (28% PIR). Employer contributes 3.5% of gross salary subject to ESCT (a tax of 10.5% to 39% on employer KiwiSaver contributions, deducted before the money reaches your account). Government contribution of up to $260.72 per year (25c per $1 you contribute) where eligible. Salary growth assumed at 3.5% per year per FMA's projection standards.

Balance at retirement $0
Money in (you, employer, government, opening balance) Investment returns
Opening balance $0
Your contributions $0
Employer contributions after ESCT $0
Government contributions $0
Investment returns FMA-assumed rate $0
Total at retirement $0
View year-by-year projection
Age Your contributions Employer + government Investment returns Balance
​Assumptions:
  • Our calculator reflects KiwiSaver settings effective from 1 April 2026
  • The default contribution rate is now 3.5% (up from 3% before April 2026), with options of 4%, 6%, 8% and 10%.
  • Employer contributes 3.5% of gross salary, subject to Employer Superannuation Contribution Tax (ESCT). ESCT is a tax deducted from your employer's KiwiSaver contribution before it reaches your account. The rate depends on your annual salary plus employer contribution combined. For example, if you're earning $70,000, ESCT is taxed at 30%, which means a 3.5% gross employer contribution becomes about 2.45% net to your KiwiSaver balance.
  • The government contribution of 25c per $1 is paid if you contribute, up to a maximum of $260.72 per year. To receive the full amount, you must contribute at least $1,042.86 per year. The government contribution is unavailable on annual income over $180,000 and stops at age 65
  • Fund return rates are aligned with the Financial Markets Authority's projection assumptions used on annual KiwiSaver statements - Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5%, all net of fees and 28% PIR. These are the same assumptions every KiwiSaver provider must use on your annual statement, set by Government and reviewed periodically. Actual returns will vary year to year, and a low-fee fund will outperform these averages while a high-fee fund will underperform
  • Salary growth assumed at 3.5% per year, also per FMA's projection standards
  • Results are shown in future dollars, not adjusted for inflation. The buying power of the final balance will be lower than the dollar figure suggests
  • First home withdrawals, savings suspensions, and provider transfers are not modelled
  • Learn more with our favourite KiwiSaver funds guide and how to choose a KiwiSaver fund.
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.