Projected KiwiSaver balance at age 65 by contribution rate and starting age, on a $70,000 salary with a 3.5% employer contribution, the government contribution and a 5% annual return. For your own numbers use the KiwiSaver calculator.
| Starting age | 3.5% | 4% | 6% | 8% | 10% |
|---|---|---|---|---|---|
| 25 | $623,414 | $665,694 | $834,813 | $1,003,933 | $1,173,053 |
| 30 | $466,118 | $497,730 | $624,178 | $750,627 | $877,075 |
| 35 | $342,872 | $366,126 | $459,140 | $552,155 | $645,169 |
| 40 | $246,306 | $263,011 | $329,829 | $396,647 | $463,464 |
| 45 | $170,644 | $182,217 | $228,510 | $274,802 | $321,094 |
| 50 | $111,361 | $118,913 | $149,123 | $179,333 | $209,543 |
| 55 | $64,911 | $69,313 | $86,922 | $104,531 | $122,140 |
Salary $70,000; employer contribution 3.5%; government contribution $260.72 a year (the 2026/27 maximum, which applies because the employee contribution exceeds $1,042.86 at every rate shown); net return 5% a year; starting balance zero; contributions to age 65. Real returns vary, and tax and fees reduce balances; this is a projection, not advice. The default contribution rate from 1 April 2026 is 3.5%.
Free to use and cite with a link to this page. Part of our research and reference data.
Computed from Calculate.co.nz's KiwiSaver model. Last reviewed 2026-06-02.
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