These calculations are estimates only and are based on the information you provide and a set of assumptions. Where applicable, we have incorporated assumptions which are set out in the Financial Markets Conduct Regulations 2014.

The assumed annual rates of investment return for the fund types you can select are:

*Investment returns are net of fees and taxes. An assumed 28% rate of tax has been used as this is the highest rate for KiwiSaver members. 

• The annual rate of inflation is 2%.
• Contributions will increase each year by 3.5%. This also applies to voluntary contributions. 
• The calculations start from the date when you turned the current age selected above.
• Retirement age is 65, and life expectancy is 90.
• Employee and employer contribution rates remain the same until retirement age. 
• You receive the full government contribution, until 65, up to a maximum of $260.72 p.a. for any year your income is $180,000 or less.
• Employer superannuation contribution tax (ESCT) is deducted from your employer contributions based on the tax rates applicable as at 1 April 2025.
• All contributions are assumed to stop at 65.
• No contribution holidays are taken and no withdrawals are made before 65.
• The annual rate of investment return applying to your KiwiSaver account after 65 is 2.5%.
• The weekly amount is withdrawn from your KiwiSaver account from 65 until 90, and New Zealand Superannuation payments are not included.