FiguredNZ
IRD rates · 1 April 2025 (2025/26 tax year)

KiwiSaver projection calculator

Estimate what your KiwiSaver could be worth when you hit 65 — given your current balance, what you put in, and the market's rough long-run returns.

Your KiwiSaver
Employee contribution rate
Projected balance at retirement
$602,698in 30 years

From $25,000 today + $231,725 in total contributions, compounded at 5.0% a year.

Growth over time
Yr 0Yr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 24Yr 26Yr 28Yr 30$0k$200k$400k$600k$800k
The numbers
Starting balance$25,000
Total contributions (you + employer + govt)+ $231,725
Investment growth+ $345,972
Projected balance$602,698

KiwiSaver projections are very rough estimates. Real returns will vary year to year, and this calculator excludes PIE tax on fund returns, fees, and inflation. Use it as a directional guide, not a plan.

Why projections matter

A little more now goes a long way later.

The single biggest lever in your KiwiSaver isn't which fund you're in — it's how long your money has to compound. Bumping your contribution from 3% to 4% adds relatively little to your weekly pay gap, but over 30 years it can meaningfully shift what you retire with.

The government's annual contribution is also worth claiming if you qualify: put in at least $1,042.86 a year yourself and the government tops it up with $260.72 (from 1 July 2025). That's a guaranteed 25% return on the first $1,042.86 — not something you'll find anywhere else.

Try the sliders. See what happens if you go from 3% to 6%. See what a 1% higher return does over 30 years. The point isn't to get a perfectly accurate number; it's to build intuition for how your choices compound.