New Zealand·Tools·Retirement projection

Retirement projection

Your KiwiSaver balance, contributions and what they become by 65, on the return you assume.

Your KiwiSaver

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Your figures

Balance today

What is in KiwiSaver now

Salary a year

Gross, before tax

Assumed return

The yearly return you assume, before tax and fees

Your age

The years left to 65 are counted from it

yrs

Contribution rate

What you put in from each pay; your employer adds 3.5% under the current rules

By 65

$556,494

Projected from $42,000 today, plus $159,548 of contributions over 30 years, at 5% a year. That return is the one you assumed, not one this site publishes.

Contributions in it$159,548

The rest, $354,946, is the assumed return.

Balance today$42,000

Every year, all sources$5,318

Employer, a year$2,083

Government, a year$261

Every figure is your own assumption worked through the reviewed KiwiSaver contribution arithmetic and monthly compounding, from the numbers you typed. It is not a rate this site publishes and it carries no source or checked date. Change any field and the projection changes with it.

What your numbers say

At the return you assumed

$556,494

by 65, on $42,000 today and 5% a year. Your assumption, worked through.

$159,548

of contributions over the 30 years, at 3.5% of salary.

$354,946

is what the assumed return adds over the term. It is an assumption, not a forecast.

$5,318

arrives each year from you, your employer at 3.5% and the government contribution, on the salary you entered.

How to use it

The projection is your assumption

The return is the one you enter, and the balance and salary are yours. Worked through the reviewed KiwiSaver arithmetic and compounded month by month, that gives one possible path to 65. It is not a forecast, not a promise, and investments do not return the same amount every year.

The contributions are the current rules

What reaches the fund each year is the employee contribution at the rate you pick, the employer's compulsory share after ESCT, and the government contribution where the salary allows it. Those come from the reviewed KiwiSaver rules, not from a rate this site publishes.

What is kept

This is one projection from the figures above, not a record of the past. No earlier balances have been recorded yet, so there are no saved years to chart against: the projection runs from the single balance you entered and the assumptions beside it.

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