How much KiwiSaver will I have at 65?

This page explains what determines how much KiwiSaver you will have by age 65, with a worked example so you can see the moving parts before running your own numbers. Your final balance depends on five things: how much you contribute from your pay, chosen from the standard rates of 3.5%, 4%, 6%, 8% or 10%; your employer’s compulsory minimum contribution of 3.5%; the annual government contribution of up to $260.72, paid each year you contribute enough to qualify; the investment return your fund earns after fees; and how many years you have left before turning 65. As a worked example, someone aged 35 on a $70,000 salary contributing 3.5%, starting from a zero balance and earning a 5% return, could reach around $340,000 by 65. Of these factors, time and contribution rate matter most: starting earlier and contributing a higher percentage of your pay both compound into a noticeably larger balance over the decades, and investment returns and fund fees make a real difference too. Use this as a starting point, then move to the KiwiSaver Calculator to enter your own age, salary, balance and contribution rate, or check the balance projection table to compare outcomes across different ages and rates side by side. Figures are indicative only, based on current New Zealand KiwiSaver settings, and are not financial advice.

Work it out

Indicative only, not financial advice. Uses current New Zealand rates for 2026/27. Last reviewed 2026-07-02. See also financial literacy NZ.

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