KiwiSaver Calculator

See how your KiwiSaver balance could grow over time with our up-to-date retirement calculator. This tool helps you estimate your potential savings at age 65, factoring in the latest 2025 budget changes, your contributions, your employer’s contributions, the annual government contribution, and your expected investment returns.

`KiwiSaver Retirement Calculator`

`1. Your Details`


Current Age


Current Balance
$


Annual Salary
$


PIRYour Prescribed Investor Rate is the tax you pay on investment returns. Check the IRD website for your correct rate based on your income.

`2. Your Strategy`


Your Contribution


Employer Contribution


Fund Type


Est. Govt. Contribution
$

`3. Assumptions`


Annual ReturnThis is the expected annual return for your chosen fund type. You can override it with your own estimate.

%


Annual Salary Growth
%


This calculator is an educational tool providing an estimate only and is not financial advice. The results do not account for fees, contribution holidays, or your personal circumstances. Past performance does not guarantee future results. We recommend seeking professional financial advice.

Understanding Your PIR: Your Prescribed Investor Rate (PIR) is the tax rate you pay on your investment returns. Choosing the correct rate is important to ensure you’re not paying too much tax. You can find your correct PIR on the IRD website.