★ NZ KiwiSaver Calculator · post-Budget 2025

See your KiwiSaver at 65.

Project your balance from your contributions, employer match (after ESCT), the $260.72 government top-up and fund returns — plus a first-home withdrawal estimate.

Your KiwiSaver

Enter your details to project your balance

About you
yrs
yrs
$
$
Contributions
3% is only available as a temporary rate reduction. The default is 3.5% from 1 April 2026 (rising to 4% in 2028).
%
$
Assumptions
% p.a.
% p.a.
Your employer match is paid on top of your salary, then has ESCT taken out before it reaches your account. The government adds 25c per $1 you contribute, up to $260.72 a year.
Projected balance
$0
at age 65
Starting balance$0
Your contributions$0
Employer (after ESCT)$0
Government top-up$0
Investment returns$0
Balance at retirement $0
Years to retirement
35
until age 65
Going in this year
$0
you + employer + govt
Govt top-up this year
$0
25c per $1 you put in
Returns share
0%
of final balance

How your balance builds

Compare with
Starting balance
Your contributions
Employer (after ESCT)
Government
Returns

First-home withdrawal estimate

After 3 years' membership you can withdraw most of your balance for a first home, leaving $1,000 behind.

years
From today, at your current settings.
$0
available toward a first home
Projected balance then: $0 · keep $1,000 in your account.
Year-by-year projection
Age You Employer Govt Returns Balance
Indicative only — not financial advice. Figures use post-Budget 2025 KiwiSaver settings (3.5% default rate, $260.72 maximum government contribution, $180,000 income cap, ESCT thresholds from 1 April 2025) and assume your salary, contribution rate and a constant after-fees, after-tax return continue unchanged. The government contribution applies up to age 65 only. ESCT is estimated from your current salary. Real returns, fees, tax (PIR) and future rule changes will differ. Confirm your own situation with your KiwiSaver provider, IRD or a licensed financial adviser.