See how your KiwiSaver could grow to retirement, using the FMA's official projection rates, the same methodology used by all KiwiSaver providers for long-term projections.
Important, please read: This calculator provides illustrative projections only and does not constitute financial advice. Results are not guaranteed.
Methodology: Return rates use the Financial Markets Authority's (FMA) official KiwiSaver projection assumptions, Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5% per year, net of fees and tax at a 28% PIR. Defensive is modelled at 1.5%. Employer contributions subject to Employer Superannuation Contribution Tax (ESCT) at an estimated 30% for illustrative purposes (actual rate depends on salary). Government contribution of $260.72/year maximum (25c per $1 contributed) per Budget 2025 settings, not available above $180,000 income or after age 65. Salary growth modelled at 3.5% per year per FMA standards. Results shown in future (nominal) dollars and are not adjusted for inflation. Default contribution rate of 3.5% reflects the rate effective from 1 April 2026. First home withdrawals, savings suspensions, member tax credits eligibility variations, and PIR changes are not modelled.
For personalised advice on your KiwiSaver, book a free chat with Seth. Seth Rackham (FSP 1007555) operates under the Financial Advice Provider licence of Real Savvy Financial Advice (FSP 709511).
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