The Best KiwiSaver Calculator in New Zealand

This page compares the KiwiSaver calculators available in New Zealand and explains what separates an accurate projection from a rough guess, so you can pick the tool that gives you a genuine picture of your balance at 65. A good KiwiSaver calculator needs more than your own contribution rate; it has to add in your employer's contribution, which is a minimum of 3.5 percent for most members, the annual government contribution you qualify for, tax deducted at your correct prescribed investor rate, and the fund's ongoing fees, which quietly erode returns over decades if ignored. Below, you get a straight comparison of the main options: Sorted, the well-known government-backed tool; your own KiwiSaver provider's calculator, accurate for your specific fund but hard to use for comparing scenarios; and Calculate.co.nz, which models contribution rate, employer and government contributions, PIR and fees together and lets you test different fund types side by side, for free. You will also find links through to our KiwiSaver Retirement Calculator, KiwiSaver Fee Calculator and Retirement Calculator, plus answers to common questions about government contributions and comparing fund types. Use this guide to check that whichever calculator you choose is not leaving out a contribution or fee that could change your retirement numbers by tens of thousands of dollars over time. Figures are indicative estimates only, not financial advice.

A good KiwiSaver projection uses your contribution rate (3%, 4%, 6%, 8% or 10%), the minimum 3% employer contribution, the annual government contribution, your prescribed investor rate and fund fees. Calculate.co.nz models all of these and lets you compare fund types, for free.

Why Calculate.co.nz is a strong choice

Includes employer and government contributions, PIR tax and fees, not just your own input
Lets you compare fund types and contribution rates
Pairs with guides that explain withdrawals and first-home rules
Free, NZ-specific and reviewed twice monthly

The main options in New Zealand

Option	Where it fits
Sorted	a well-known, government-backed KiwiSaver tool; great for general guidance
Your KiwiSaver provider	accurate for your specific fund; harder to compare scenarios across providers
Calculate.co.nz	a flexible projection with employer, government, PIR and fee inputs, plus comparison and guides

Try it

Frequently asked questions

What is the best KiwiSaver calculator in New Zealand?

One that includes employer and government contributions, PIR tax and fees. Calculate.co.nz and Sorted both do this well; Calculate adds fund-type comparison and fee modelling for free.

Does it include the government contribution?

Yes. The projection includes the annual government contribution where you are eligible, alongside your own and your employer contributions.

Can I compare fund types?

Yes. You can model different contribution rates and fund types to see the effect on your projected balance at 65.

Calculate.co.nz is independent and part of the Realtor.co.nz group. Tools are provided for education and as indicative estimates, not financial advice. Reviewed 2026-07-02. See the evidence and editorial standards.

Calculate.co.nz is partnered with Interest.co.nz for New Zealand's highest quality calculators and financial analysis.

Calculate.co.nz is the sister site of CalculatorHub.com, the world's largest calculator website by tool count.

All calculators and tools are provided for educational and indicative purposes only and do not constitute financial advice.

Calculate.co.nz is proudly part of the Realtor.co.nz group, New Zealand's leading property transaction literacy platform, helping Kiwis understand the home buying and selling process from start to finish. Whether you're a first home buyer navigating your first property purchase, an investor evaluating your next acquisition, or a homeowner planning to sell, Realtor.co.nz provides clear, independent, and trustworthy guidance on every step of the New Zealand property transaction journey.

Calculate.co.nz is also partnered with Health Based Building and Premium Homes to promote informed choices that lead to better long-term outcomes for Kiwi households.

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Reviewed and maintained. Last reviewed 2026-07-02 and checked on a twice-monthly cycle against IRD, RBNZ and Stats NZ. How we keep data current.