See where your KiwiSaver could take you

Whether you're saving for your first home or building towards retirement, see what your KiwiSaver could look like — and what a few small changes today could be worth.

About you

Your age

What are you working towards?

Years until you buy your home At purchase, we model withdrawing your balance down to the $1,000 that must stay in your account, then keep growing it to 65.

Are you enrolled in KiwiSaver?

Current KiwiSaver balance

Your current KiwiSaver provider This helps us tailor your free review — it doesn't change the projection above.

Your income

How are you paid?

Annual salary (before tax)

Contributions

Your contribution rate

Employer contribution rate Employer contributions are shown after employer superannuation contribution tax (ESCT).

Do you make voluntary contributions?

Fund type Government-prescribed projection rates, after fees and tax.

Your results

Based on the prescribed assumptions required for public-facing KiwiSaver calculators:

Projected balance

Important

The projections above use the conservative assumptions required for publicly available KiwiSaver calculators. They do not account for:

Your actual KiwiSaver provider
Your specific fund
Historical fund performance
Potential provider changes
Personal circumstances

Because of this, your actual outcome could be significantly different.

Personalised projection & KiwiSaver score

Potential retirement balance

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Potential difference

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Fund type alignment

Contribution rate

Retirement preparedness

Provider & fees

Provider analysis

Fund analysis

Fee analysis

Performance analysis

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See your personalised projection & KiwiSaver score

Book your free KiwiSaver review and we'll show you your real numbers — based on your actual provider, fund, fees and performance, not the conservative public assumptions.

Book your free KiwiSaver review

The projections above are based on the assumptions required for publicly available KiwiSaver calculators and are intended as a guide only. Every KiwiSaver provider performs differently, charges different fees, and follows different investment strategies. For a more personalised assessment based on your actual KiwiSaver provider, fund, and circumstances — including your personal KiwiSaver score — request a free review below.

No cost, no obligation. Kauri Wealth Limited is a licensed financial advice provider.

This tool gives a general illustration only and is not financial advice. Projections use the simplified assumptions required for public-facing KiwiSaver calculators: steady income, constant contribution rates, the government-prescribed projection rates for each fund type (after fees and tax), employer contributions after ESCT, and the annual Government contribution of up to $260.72 (25c per $1 you contribute, for members aged 18–64 with income under $180,000). The monthly retirement income estimate assumes a 25-year drawdown to age 90 with the balance continuing to earn a conservative return. First-home withdrawals assume you meet eligibility criteria and must leave $1,000 in your account; after a modelled home purchase, the projection switches your fund type to match your remaining timeframe to 65. Figures are in today's dollars, not adjusted for inflation, and actual results will vary with your provider, fund, fees, markets, pay changes and legislation. Kauri Wealth Limited is a licensed financial advice provider specialising in KiwiSaver. Talk to us for advice personalised to you.