Calculate your KiwiSaver

We’ve calculated your results based on the information you entered, and the assumptions set out under 'Calculator assumptions' below. Our calculator is indended as a guide only and relates to your KiwiSaver account balance.

• Investment rates of return (after fees and tax at 28%) as set by the Financial Markets Conduct Regulations 2014, across four main fund types:

• No savings suspension or withdrawals take place.
• If you’re employed, we’ve assumed an annual salary increase of 3.5% and a 3% employer contribution. The calculator accounts for this salary growth and excludes the government contribution in any year where the projected income is over $180,000.
• If you're self-employed (or not working), we've assumed your regular annual voluntary contribution increases by inflation (2%) each year.
• Your annual government contribution entitlement amount is received each year, up to a maximum of $260.72. This figure is not adjusted for inflation.
• Fees, tax rates and government contributions are assumed to continue unchanged until you reach age 65.
• All projected balances are in today’s dollar terms (by adjusting for the impact of inflation at 2% per annum).
• After age 65, the graph shows the projected weekly retirement income your lump sum would give you over a 25-year period, assuming a 2.5% annual return (after tax and fees) and a 2% annual inflation adjustment.
• The default contribution rate will increase to 3.5% from 1 April 2026 and 4% from 1 April 2028. You may apply to Inland Revenue to maintain a 3% rate, and your employer may match this. These changes are not included in the estimated lump sum savings total.
• Calculator does not allow the user to adjust the employee contribution amount.

Remember, this result is a guide only and several factors affect the size of your retirement savings and how long this might last in retirement. These include:

• Your choice of fund
• Your contribution rate
• How long you contribute for
• If you are using your KiwiSaver savings to save for a first home
• Other retirement savings and income you may have
• Your expected retirement income levels
• The actual performance of investment markets

If you want advice on your Booster KiwiSaver Scheme account, give us a call on 0800 336 338. Our KiwiSaver specialists can help ensure your fund selection matches your goals.