New Zealand · 2025
👤
Personal Details
30
65
💼
Income
$
%
Average annual pay increase assumption
💰
Contributions
%
Minimum 3% — subject to ESCT deduction
$
📈
Fund & Returns
%
%
Net return used in projection: 4.7%
⚙️
Advanced Options
▼
20
Years to spread KiwiSaver over in retirement
Subtracts ~2% to show balance in today's dollars
Projected Retirement Balance
$0
Age 65 Balanced fund 4.7% net
35
years to
save
Weekly from KiwiSaver
$0
over 20 yr drawdown
+ NZ Super (est.)
$496
Single rate · 2025
Total weekly income
$496
KiwiSaver + NZ Super
Retirement Income vs Benchmark
0%
$0
From KiwiSaver /wk
$496
NZ Super /wk
$496
Total /wk
vs comfortable retirement benchmark
0%
Where Your Balance Comes From
Balance Growth Over Time
Return Scenarios
Pessimistic
$0
—
Base Case
$0
Your settings
Optimistic
$0
—
Investment return adjusted ±2% only. All other inputs unchanged.
This Year's Numbers
Your Annual Contribution
$0
Employee contributions
Fortnightly Impact
$0
Reduction in take-home pay
Employer Adds (after ESCT)
$0
Net of super contribution tax
Govt Member Tax Credit
$0
Max $521.43 per year
Disclaimer: This tool provides estimates only and is not financial advice. Projected balances and returns are illustrative; past performance is not indicative of future results. KiwiSaver Member Tax Credits, NZ Super entitlements, ESCT rates, and contribution rules are set by the New Zealand Government and are subject to change. NZ Super rates are approximate 2025 after-tax figures. Comfortable retirement benchmarks are indicative, based on Massey University Fin-Ed Centre research. Please consult a licensed Financial Advice Provider (FAP) before making investment decisions.