NZ KiwiSaver Calculator

Calculate your personal and employer KiwiSaver contributions and see a simple projected balance by age 65.

lightbulb Based on standard guidance from the KiwiSaver Act 2006
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Slide to your age

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Your Savings Estimate

Projected Total at Retirement $0
Total Annual Contributions $0.00
Your Deduction (Weekly) $0.00
Your Deduction (Monthly) $0.00
Employer Contrib (Weekly)* +$0.00
Employer Contrib (Monthly)* +$0.00

Note: Calculations assume a 5% conservative annual return and do not account for existing balances or inflation. Employer contributions are subject to ESCT tax.

⚠️ Legal Disclaimer: This tool provides an estimate only and does not constitute financial, tax, or legal advice.

Read full disclaimer

While we strive to align with the standard provisions of the NZ Holidays Act 2003 (and other relevant legislation), this calculator cannot account for every unique employment agreement, complex leave history, or precise IRD tax logic (including exact KiwiSaver and Student Loan thresholds).

We accept no liability or responsibility for any loss, damage, or discrepancy arising from the use of or reliance on this calculator. Always verify your calculations with your payroll department, Employment New Zealand, or a qualified professional.

External Resources

Make the most of your transition with these popular New Zealand resources.

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IRD: KiwiSaver Hub →

Manage your account, check your contributions, and see your tax credit status.
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Sorted: KiwiSaver Guides →

Independent guides on choosing a fund, comparing fees, and tracking your performance.
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First Home Withdrawal →

See if you're eligible to use your KiwiSaver savings to help buy your first home.

Frequently Asked Questions

Common questions about KiwiSaver contributions and benefits.

How much does my employer have to contribute?

If you are a KiwiSaver member and contributing from your pay, your employer must generally contribute at least 3% of your gross pay (before tax), provided you are between 18 and 65 years old.

What is the $521 Government contribution?

If you are 18 or older and live in NZ, the government will contribute 50 cents for every dollar you contribute, up to a maximum of $521.43 per year. To get the full amount, you need to contribute at least $1,042.86 between 1 July and 30 June.

Can I stop my KiwiSaver contributions?

Yes. After you've been a member for 12 months, you can apply for a "savings suspension" (previously called a contribution holiday) for between 3 months and 1 year. You can do this through your myIR account.

Can I use KiwiSaver for my first home?

Yes. After 3 years of contributing to KiwiSaver, you can usually withdraw most of your savings (leaving at least $1,000 in your account) to help with a deposit for your first home. Subject to eligibility, you may also qualify for a First Home Grant.