Formerly Adelphi Insurance Brokers. Now exclusively focused on KiwiSaver advice as Avon Wealth.

KiwiSaver Investment Calculator

Project your estimated balance for a specific target age, or at retirement. Adjust your contribution rate, salary, returns, and more.

Your details

Government contributions are calculated for ages 16–65, regardless of what you enter here.
Employer matches your PAYE contribution rate above, up to this amount (shown net of ESCT — see note below). If you contribute 0%, your employer contributes 0% too. Extra voluntary contributions don't attract additional employer matching.
Historical estimates; not a guarantee. Use "Custom" to enter your own.
Adjusts the projected balance to today's dollars.
Updates automatically when you enter your salary. You can also adjust this manually.

Your KiwiSaver projection

My PAYE contribution
0% 3% 3.5% 4% 6% 8% 10%
3.5%

Default is 3.5% from April 2026, rising to 4% from April 2028. 3% available as a temporary reduction. Set to 0% if you don't make PAYE contributions.

Extra voluntary contribution (optional)
$ $0
per
Or type a custom amount:
$ per fortnight

Hover over bars for detail · Returns not guaranteed · General guide only

Projected results at your target/retirement age

Balance at target age
—
estimated total
Your contributions
—
total over period
Employer contributions
—
total over period
Investment growth
—
estimated returns
Govt contributions
—
est. total
General guide only, not financial advice. Uses mid-year compounding; fund fees and membership breaks aren't included. Government contributions stop being added from the year you turn 65 onward (they follow current settings: 25 cents per dollar contributed, capped at $260.72/year, only for ages 16–65 and only where that year's income is $180,000 or less; no pro-rata is applied for the year you turn 16 or 65). Because "Govt contributions" is a running total, it stays at its final value after age 65 rather than dropping to zero — previously-earned credits remain in the balance, they just stop increasing. Employer contributions are shown net of ESCT (10.5%–39%, based on salary). Tax on investment growth is also approximated: NZ share gains are untaxed and overseas shares are taxed on a deemed 5% FIF rate rather than actual performance, so share-heavy, higher-return funds have proportionally less growth taxed here than lower-return funds. Broad approximations, not precise figures — talk to Andrew for advice on your situation.

Year-by-year projection

Each column shows the running total to that point, so it reconciles with the balance shown — sampled every 5 years to keep the table (and the PDF) a manageable length.

Age Year Your contribs Employer Govt Growth Balance

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