KiwiSaver Retirement Calculator
Are you an existing client? Click here to get a more personalised approach with our KiwiSaver Digital Advice tools available within your client portal or your Milford app.
This KiwiSaver calculator provides an estimate of your KiwiSaver balance at retirement and how much this could represent as a weekly income. This tool provides an estimate only and the results are based on the values you input and a set of government assumptions, available to view here.
Is your KiwiSaver set for retirement
This Calculator is not intended to be advice tailored to your particular financial situation or circumstances. Instead it is intended to be ‘class advice’ only. We will talk generally about products and how they might be suitable for generic groups of investors. The information that we provide is factual. You are responsible for making your own investment decisions, by taking the information we provide and applying it to your own situation. If you require personalised financial advice you should speak to an Authorised Financial Adviser.
In May 2025, the Government announced changes to employee and employer KiwiSaver contributions:
- On 1 April 2026, default employee and employer contribution rates will increase from 3% to 3.5%.
- On 1 April 2028, they will increase from 3.5% to 4%.
In preparation for these changes, our tool assumes ongoing employee and employer contribution rates of 4%. You can increase or reduce these to reflect your circumstances.