KiwiSaver ยท the long game
What's your KiwiSaver worth at 65?
Your bit, your employer's 3%, the government's top-up, and decades of compounding โ all working while you sleep.
About you
Annual salary (before tax)
$
Balance today
$
Your age now30 โ 65 (35 yrs)
Your contribution rate
Your employer adds 3% on top, whichever you pick.
Your fund type
More growth means more ups and downs along the way.
Projected balance at 65
$592,639
Your contributions$107,110
Employer (3%)$107,110
Government top-up$18,250
Growth + starting balance$360,169
๐
The government chips in $521 a year โ that's $18,250 of free money over your timeline.
How the funds compare
Same contributions โ very different finish lines by 65. Your pick is highlighted.
Aggressive$1,003,224
Growth$808,564
Balanced$592,639
Conservative$486,367
Defensive$402,451
Illustrative estimate in NZD. Contributions compound monthly and your salary is assumed to grow ~2.5% a year; employer adds 3% of gross pay, and you get the government contribution (50c per $1 you contribute, up to $521.43 a year) when you contribute at least $1,042.86 annually. Fund returns are indicative and treated as roughly net of fees; the estimate ignores ESCT and tax on returns, and returns aren't guaranteed. General info โ not personalised financial advice.