KiwiSaver calculator

Use our KiwiSaver calculator to see how adjusting your fund selection or contribution rate could boost your KiwiSaver balance and provide you with a more comfortable retirement. By default, the contribution rate for employee contributions and employer contributions is set to "Minimum", which refers to the phased increase in minimum contribution rates introduced in the Government's 2025 budget. The current minimum contribution rate is 3.5% and is assumed to increase to 4% from 1 April 2028, in line with changes introduced in the government’s 2025 budget.

I am a

year old and

My fund type is

My annual income is

My KiwiSaver balance is

I will contribute the

contribution rate of my income.

My employer will contribute the

contribution rate on top.

I will make a one-off contribution of

Your retirement savings:

Fund type

Defensive

Real balance at 65

$NaN

Weekly amount

$NaN

KiwiSaver
Fund Type

Assumptions

Your next steps

Select the right fund for you

Our calculator can help you select the best fund for your situation - whether you’re saving for retirement or a first home.

Join Generate today

3 simple steps to join or switch your KiwiSaver account online now.