Forecast your Future

Calculate your financial needs for retirement and your first home.

KiwiSaver Details

Current Age

KiwiSaver Balance

Annual Salary

Your contributions

Employer contributions

Voluntary Contribution

Fund Type

KiwiSaver Goals

Years to First Home

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Retirement age

Learn more: What our forecasts are based on.

Your KiwiSaver Journey

Projected Balance at Retirement

Projected First Home Withdrawal

Weekly Retirement Income

Break down amounts

Include NZ Super

Your first home withdrawal

We estimate you could have around 45,000 saved for your first home in 6 years time. You will need to leave $1,000 in your KiwiSaver post withdrawal, leaving you with around 45,000 to withdraw.

Most Kiwi’s can get a mortgage with a 10% deposit, so this means you may be able to buy a house worth about 450,000 with your KiwiSaver account. Make sure you check this though with a mortgage advisor, everyone’s circumstances are assessed individually.

First Home withdrawal amount

≈ 45,000

What does retirement look like for me

Big balances are nice to see, but our retirement calculator gives you what you need - a weekly income so you know how much you need for your retirement.

Your KiwiSaver plan could give you a value of $0 at the age of 65, delivering you a weekly income of $0 (including NZ Super contributions of $0/week).

You currently take home $0 per week, research suggests you need at least 70% of your current income to retire comfortably. We estimate you will have 0%.

Click here: to see what that sum is made up of.

READY TO SWITCH

The expected value is only a forecast. Markets are volatile and, often do not perform in line with expectations.

We’ve thought hard about these calculators to make them as useful as we can for you. We have called in the experts from Auckland University of Technology to make sure that we bring you the best thinking possible.

Key Assumptions

Long term returns	We have used the FMA prescribed returns for our growth assumptions: Aggressive portfolio is expected to generate a return of 5.5% Growth portfolio is expected to generate a return of 4.5% Balanced portfolio is expected to generate a return of 3.5% Conservative portfolio is expected to generate a return of 2.5% Defensive portfolio is expected to generate a return of 1.5%
Annual salary growth	We assume annual salary growth of 3.5%, in line with historical growth
Annual inflation	We assume 2.0% annual inflation, the mid point of the Reserve Bank of New Zealand’s inflation targets.
Membership tax credit	The current government contribution of $260.72 continues through from 16 to 65, this has not been indexed to inflation. Eligible salary is capped at $180,000.

Forecast your Future

Your first home withdrawal

First Home withdrawal amount

What does retirement look like for me

Your Information

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What our forecasts are based on

Key Assumptions

What is this sum made up of