🥝 Free KiwiSaver Calculator 2025 – See How Much You’ll Save! 🥝
Instantly project your retirement nest-egg with our KiwiSaver Calculator. Try it once and you’ll never wonder “Am I on track?” again.
KiwiSaver Calculator
Estimated Balance at 65
Why This Tool Beats the Rest
This calculator is designed specifically for New Zealanders to project their retirement savings accurately. It factors in the 3% employer contribution, annual government credits, and compound growth, providing real numbers in seconds.
- Includes government contribution of $521.43 each year
- Adds employer contributions at 3% of gross salary
- Uses compound interest to show long-term growth
- Mobile-first design—works perfectly on any phone
Whether you’re 18 or 58, knowing your future balance helps you decide if you should increase your contribution rate or switch funds.
5 Quick Tips to Boost Your KiwiSaver Balance
- Increase your contribution rate from 3% to at least 4–8% if you can afford it.
- Check you’re in the right fund type (Growth vs Conservative) for your age.
- Make voluntary lump-sum deposits—every extra dollar is doubled by employer and tax credits.
- Review fees; a 0.5% difference in fees can mean tens of thousands at retirement.
- Use this tool yearly to monitor your progress and adjust quickly.
More Free Tools to Grow Your Wealth & Well-Being
Data too conservative? Compare with the official Sorted KiwiSaver Calculator .