KiwiSaver Calculator
By comparing your KiwiSaver provider, we help you understand your potential savings at retirement. Let’s work together to maximise your investments and ensure you’re on track for your retirement.
Data sourced from Morning Star KiwiSaver Survey dated 31 March 2025, comparing KiwiSaver Funds five year average returns after fees, before taxes and not inflation adjusted.
KiwiSaver information
If you contribute $1042 per year to your KiwiSaver account, the government will match this with $261 per year. For the self-employed, this is often done by setting up a weekly payment of $20 so that they can reach their minimum contribution by June 30th of each year.
Government Contributions
Most employers in New Zealand are required to contribute to their employees KiwiSaver accounts, usually matching their contributions up to a certain percentage of their salary, or at a minimum of 3%.
Employer Contribution
KiwiSaver offers a variety of investment options, from conservative to aggressive assett allocations. This enables you to construct your investments to your risk tolerance and financial goals.
Investment Options
KiwiSaver members can access their KiwiSaver fund, if it is the first home they have purchased. Also KiwiSaver members may be eligible for the First Home Grant and the HomeStart grant, which can provide significant financial support for purchasing their first home.
First Home Buyer Withdrawal
KiwiSaver members can in some cases withdraw their funds due to significant financial hardship, or a terminal illness.
Significant Hardship Withdrawal
Your KiwiSaver can be taken with you if you change jobs or move to a different location within New Zealand or permanently emigrate to another country.
KiwiSavers Portability
How we can help
Many New Zealanders are enrolled in their KiwiSaver by their Bank or their Employer. This is especially true if it is someone’s first job. We can help you by reviewing your situation and giving you advice on your fund type, your tax rate, your contributions and your KiwiSaver provider.
