Will My KiwiSaver Last?

Your current age

Current KiwiSaver balance ($)

Annual salary before tax ($)

Your work situation If you're self-employed or not working, your employer doesn't top up your KiwiSaver — only what you put in yourself, plus the government's annual top-up.

Your contribution rate

KiwiSaver fund type

Plan my money to last until age

What kind of lifestyle would you like in retirement? Just the basics covers everyday essentials. Comfortable adds extras like travel, hobbies and treats. Smaller towns cost less to live in than big cities (Auckland, Wellington, Christchurch). These are real average spending figures from Massey University's 2024–25 retirement research.

Include NZ Super?

Yes — include NZ Super income from age 65

NZ Super household type

Planning to use your KiwiSaver to buy your first home?

Yes — I plan to withdraw most of it for a first home

Years until you'd buy A first-home withdrawal takes out almost everything (the law leaves $1,000 behind), so your KiwiSaver effectively starts again from there.

Do you put in extra on top of your pay deductions?

Yes — I add extra voluntary contributions

Extra amount per year Money you top up yourself, on top of what comes out of your pay. This also counts towards the government's annual top-up.

✓

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Your KiwiSaver at age 65

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In today's money

Income each week

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KiwiSaver + NZ Super

Compared with your lifestyle

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per week

What this means

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From your KiwiSaver savings	—
From NZ Super (the government pension)	—
Total income each year	—
Compared with the lifestyle you chose	—

How your savings could change over time

The gold line is the central estimate for your savings. The shaded area shows the range — higher if investment markets do well, lower if they don't. Your savings grow until 65, then you start drawing on them to live on in retirement. All figures are in today's money.

Want a bit more? Here are three ways to lift your income

1 · Save a little more each pay

How your weekly retirement income changes if you put in more.

2 · Choose a different fund

Funds that aim for higher growth can mean more at 65 — they also move up and down more along the way.

3 · Work a little longer

Retiring later gives your savings more time to grow and fewer years to stretch across.

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These projections are for guidance only and do not constitute financial advice. Investment returns are not guaranteed and actual results may differ. Figures are estimated by running thousands of possible market scenarios. NZ Super rates as at 1 April 2024. Massey Retirement Expenditure Guidelines 2024–25. Yovich & Co Ltd is a licensed financial advice provider.