New Zealand · Long-term projection
Project how your current balance, employee and employer contributions, government contributions, returns and fees could build over time. Change every major assumption and see the components separately.
Settings reflect rules from 1 April 2026 · Last reviewed: 22 August 2026
Projected KiwiSaver balance
$368,787
after 25 years · future dollars
Starting balance
$25,000
Total deposited
$216,659
The projection applies contributions, returns and fees monthly; government contributions are added annually and salary growth is applied after each year.
Projection, not a forecast: Investment returns can be negative and future contribution rules, income, fees, tax and eligibility may differ from the assumptions entered.
The calculator adds employee and net employer contributions monthly, applies the entered annual return and fees as monthly equivalents, adds an eligible government contribution annually, then grows salary after each completed year. The result is shown in future dollars.
From 1 April 2026, employees can generally choose 3.5%, 4%, 6%, 8% or 10%. The compulsory employer minimum is generally 3.5% for eligible contributing employees, although employment arrangements and exceptions can change what applies.
ESCT is normally deducted from employer contributions before the balance reaches your account. Select the applicable rate rather than assuming the full gross employer percentage is invested.
Eligible members currently receive 25% of qualifying member contributions, capped at $260.72 a year. Contributing $1,042.86 earns the maximum, subject to eligibility.
The model excludes the government contribution in any projected year where salary is above $180,000. Other eligibility requirements—including age, residence and membership timing—are represented by the yes/no setting.
Enter a return after investment tax but before the percentage and fixed fees entered separately. This keeps the fee impact visible and avoids pretending one return assumption suits every fund or prescribed investor rate.
The projection assumes uninterrupted employment and contributions, no savings suspension and no first-home or other withdrawal. Contributions use the entered salary and rates.
Salary growth and returns are constant assumptions. Actual markets fluctuate, fees can change, and negative returns are possible even though this planning input accepts a non-negative long-term assumption.
The government contribution is added at the end of each model year. A partial first member-credit year or a period living overseas can reduce eligibility.
Employer arrangements, total-remuneration packages, complying funds and ESCT under PAYE treatment can produce results that need a different model.
Current contribution and government settings come from Inland Revenue. Sorted methodology provides useful context for transparent long-term assumptions; KiwiTools does not copy provider performance or promise a return.
From 1 April 2026, standard employee rates are 3.5%, 4%, 6%, 8% and 10% of eligible gross pay. A temporary 3% reduction may be available through Inland Revenue but is not modelled as a permanent projection rate here.
Usually not. Employer superannuation contribution tax, known as ESCT, is generally deducted from employer KiwiSaver contributions. The calculator shows gross employer contributions, ESCT and the resulting net amount separately.
For eligible members, the government currently contributes 25 cents per dollar of qualifying member contributions, up to $260.72 a year. Income above $180,000 and other eligibility conditions can prevent or reduce entitlement.
No. The return is a user-controlled assumption, not a forecast or promise. Actual returns vary, can be negative and depend on the fund, markets, tax, fees and timing.
No. The projected balance is shown in future dollars. Salary growth can be entered separately, but the balance is not converted into today’s purchasing power.
Providers may use different contribution timing, prescribed assumptions, fund-specific fees, tax treatment, salary growth, inflation and retirement dates. Compare the assumptions before comparing results.