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🇳🇿 New ZealandNZDv1.0Active

NZ KiwiSaver Retirement Projector

Free online NZ KiwiSaver retirement projector. Instantly project your KiwiSaver retirement balance using current balance, age, salary, employee and employer rates, government contribution, fees, salary growth, and investment return.

Regional Rule Context

JurisdictionNew Zealand
CurrencyNZ$ (NZD)
Effective fromApr 1, 2026
Version1.0
Last reviewedApr 18, 2026
Next reviewOct 1, 2026
Source: Inland Revenue KiwiSaver contribution ratesView

New Zealand Rates and Rules

Projects KiwiSaver balances using entered employee, employer, voluntary, government contribution, return, fee, and salary-growth assumptions. Default contribution rates reflect the 3.5% rate from 1 April 2026.

Enter Values

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Result

Enter values above and click Calculate to see your result.

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Projection results are not guaranteed. Investment returns, fees, contribution settings, tax, government contribution eligibility, salary, and KiwiSaver rules can change.

Disclaimer: This calculator uses publicly available rules effective as of Apr 1, 2026 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 18, 2026.

Formula

Balancet+1=(Bt+Ce+Cm+Cg)(1+r)−f\text{Balance}_{t+1} = (B_t + C_e + C_m + C_g)(1+r) - f

Each year the projector adds employee, net employer, voluntary, and eligible government contributions, then applies investment return and annual fees.

New Zealand FAQs

What contribution rate is used by default?

The default employee and employer rate is set to 3.5%, matching the rate from 1 April 2026.

Does it include the government contribution?

Yes, when selected. It estimates the annual government contribution based on entered contributions and eligibility assumptions.

Are employer contributions taxed?

Yes. The calculator applies the entered employer contribution tax rate before adding employer contributions to the projected balance.

Is this financial advice?

No. It is a projection tool using your assumptions.

How do I add this NZ KiwiSaver Retirement Projector to my site?

Absolutely. Use the "Embed" option above to tailor the dimensions, color scheme, and styling to match your site. Copy the generated iframe snippet and drop it into your HTML, WordPress editor, or any CMS. There is no cost and no account required. See calculory.com/services/embed-calculators for a step-by-step walkthrough.

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