Money · KiwiSaver check
KiwiSaver Reality Check
Are you in the right KiwiSaver fund and contributing enough? Enter your age, balance, contribution rate, and fund type for a projected retirement balance.
Instant result
Plain-English why
Copyable takeaway
What this means
No waffle. Just the number and how it was worked out.
Formula used
Projected balance = current balance × growth factor + annual contributions × accumulation factor. NZ retirement benchmark: NZ$500k–NZ$700k for a comfortable single person.
Worked example
A 35-year-old with NZ$40,000 in a balanced fund contributing 3% with 3% employer match on NZ$70,000 salary: projected NZ$320,000 at 65 — below the comfortable benchmark.
Common questions
What is the NZ comfortable retirement benchmark?
The New Zealand Retirement Commission suggests approximately NZ$500,000–NZ$700,000 for a single person to fund a comfortable retirement alongside NZ Superannuation.
Which KiwiSaver fund type is right for me?
Fund type should match your time horizon and risk tolerance. Under 40 and not retiring soon: growth or aggressive. 40–55: balanced or growth. Near retirement: conservative or balanced.
Plain-English summary
The result summary for this calculator will live here.
This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.
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