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
This tool projects your KiwiSaver balance at 65 using your current balance, contribution rate, salary, and fund growth rate, then compares to the NZ comfortable retirement benchmark.
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
Enter your KiwiSaver details to see your projected balance at 65 and the gap from a comfortable retirement standard.
This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.
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