KiwiSaver Calculator
Updated on 20 Oct 2026 for the 2026-27 tax year · Checked by Aotob
Putting 3.5% of NZ$80,000 into KiwiSaver from 30 could give you about NZ$808,646 at 65.
That includes your employer’s 3.5% after ESCT at 30%, the government contribution of up to NZ$260.72 a year, and 5% a year growth in a balanced fund after fees. It is in future dollars.
KiwiSaver at 65
NZ$808,646in 35 years
A growth fund at 6.5% a year could give about NZ$313,413 more, with bigger ups and downs.
Show the working
This year: you 2,800 + employer 2,800 − ESCT 30% + government 260.72
Each year: balance × (1 + 5%) + contributions, pay rising 3% a year
At 65 = 808,646
How your NZ$808,646 builds up
Balance by age
| Age | Put in | Balance |
|---|---|---|
| 40 | 56,658 | 113,020 |
| 50 | 131,306 | 279,240 |
| 60 | 230,209 | 581,012 |
| 65 | 289,562 | 808,646 |
Questions people ask
How much does my employer put in?
At least 3.5% of your pay from 1 April 2026, rising to 4% in April 2028. Employer contributions are taxed with ESCT, at a rate that depends on your salary, so less than the full 3.5% lands in your account.
Do I still get the government contribution?
Yes, if you earn NZ$180,000 or less. Since 1 July 2025 the government adds 25 cents for every dollar you put in, up to NZ$260.72 a year. You need to contribute NZ$1,042.86 a year to get the full amount.
Which fund should I pick?
Growth funds usually earn more over decades but fall further in bad years. Conservative funds are steadier but grow slowly. This calculator uses 3.5%, 5% and 6.5% a year after fees as typical figures.
Updated 20 Oct 2026Tax year 2026-27Source: Inland Revenue KiwiSaver contribution rulesChecked by AotobAn estimate, not financial adviceReport an issue