Is your KiwiSaver plan on track?
Small changes make a big difference
Your future KiwiSaver balance depends on the decisions you make today:
- What type of KiwiSaver fund are you in
- Should you change your contribution rate
- When do you want to retire
The earlier you act, the bigger the impact.
Get the facts today so your future self can thank you tomorrow.
Get clear answers in minutes
Our KiwiSaver Calculator shows you:
- Your projected balance
- If you're on track for retirement or a first home
- How much you actually need
- Your weekly retirement income
- The impact of changing contributions or fund types
Everything you need to make smart decisions
Quick and easy - no expertise needed
We ask you a few questions
We give you the answers
You take control and make changes
Common questions
Our forecast uses your inputs and long-term assumptions to give you a realistic guide, not a promise. It’s designed to help you plan, not predict the future perfectly.
There’s no single number, but research suggests most people need around 70–100% of their current income to maintain their lifestyle in retirement. For a two-person household in New Zealand, that can mean roughly $700–$1,400 per week, depending on where you live and how you want to live.
We use the assumptions you have given us (fund type, income, age and current KiwiSaver balance) and apply a set of assumptions that we are legally obligated to use from the FMA. The details can be seen on this page here.
