KiwiSaver Retirement Projection Calculator

This KiwiSaver retirement projection calculator estimates what your KiwiSaver balance could grow to by age 65. It combines your current balance with the yearly contributions that flow in from you, your employer and the government, then compounds the lot each year at an expected rate of return until you reach 65. To use it, enter your current balance, your annual salary, your employee contribution rate, your employer contribution rate, the annual government contribution and the return you expect after fees and tax, plus your current age. The tool returns your projected balance at 65 along with how much of that came from contributions and how much from investment growth, which makes the power of compounding easy to see. KiwiSaver members of every age use a projection like this to check whether their contribution rate is on track, to compare the effect of moving from a 3 percent to a higher rate, and to weigh up a more growth focused fund. A few tips improve the picture. Use a realistic long run return for your fund type rather than a single good year, remember that the government contribution is capped each year so it does not scale with a large salary, and revisit the numbers after any pay rise or fund switch. The projection assumes steady contributions and a constant return, which real markets never deliver, so think of the result as a reasonable midpoint rather than a promise. It also ignores inflation, so a balance decades away will buy less than the same figure today. Use it to guide decisions, then confirm the detail with your provider or a licensed adviser.

FV = balance x (1+r)^n + annual contribution x ((1+r)^n - 1) / r, where n is years to 65. Estimate only, not financial or tax advice.