Project how a lump sum and regular contributions could grow in a managed fund by your target or retirement age. Adjust your returns, contributions and more.
The amount you invest today. Enter 0 if you're starting with regular contributions only.
Adjusts the projected balance to today's dollars.
Most managed funds are PIEs, taxed at your prescribed investor rate (PIR).
% per year
Historical estimates; not a guarantee. Use "Custom" to enter your own.Latest Morningstar KiwiSaver quarterly report (PDF): a good source for providers' and funds' short- and long-term returns. Enter a fund's past return under "Custom" to compare how your investment might have performed historically with different providers.
Your investment projection
Regular contribution
$$500
per
Or type a custom amount:
$per month
Set to $0 to see how a lump sum on its own could grow.
Hover over bars for detail · Returns not guaranteed · General guide only
Projected results at your target/retirement age
Balance at target age
—
estimated total
Starting lump sum
—
invested today
Your contributions
—
total over period
Investment growth
—
estimated returns
General guide only, not financial advice. Assumes a managed fund (PIE) with a constant assumed return: your lump sum is invested at the start, and regular contributions are added each year using mid-year compounding. Fund fees, withdrawals and market ups and downs aren't included. Unlike KiwiSaver, there are no employer or government contributions, and your money isn't locked in until 65. Tax on investment growth is approximated at your selected PIR: 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.
Turning your result into a retirement plan
Avon Wealth gives advice on KiwiSaver; we don’t write full retirement plans. But you can get a clear picture of your retirement savings without paying a cent. Take your balance at target age from above and enter it into Sorted’s Retirement Navigator, a free retirement income calculator from the Retirement Commission.
It shows how that lump sum could become a regular income alongside NZ Super, how long it could last under different spending approaches, and how market performance could change the picture.
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
Lump sum
Your contribs
Growth
Balance
How to use a retirement calculator
Planning for retirement is easier when you can see the numbers. A retirement calculator turns what you have today, what you’ll add, and an assumed return into an estimate of what you could have later, so you can spot a shortfall early and adjust while there’s still time.
What is a retirement calculator?
A retirement calculator projects how your savings could grow by a target age, based on your starting balance, regular contributions, expected return and tax. Most, including this one, show a chart and a year-by-year breakdown. The results are estimates, not guarantees.
Types of retirement calculators in NZ
KiwiSaver calculator: includes your PAYE contribution rate, employer contributions and the government contribution. Use our KiwiSaver Investment Calculator to project your KiwiSaver balance.
Retirement investment calculator (this page): for savings outside KiwiSaver, such as a managed fund, with a lump sum and regular contributions.
Retirement income calculator: works the other way, showing what income your savings could provide once you stop working and how long it could last. Sorted’s Retirement Navigator is a free and easy-to-use NZ example.
Step by step
Enter your current age and the age you want to retire or reach your goal.
Add your starting lump sum and how much you’ll contribute, and how often.
Choose an expected annual return to suit your fund type. The Morningstar KiwiSaver report shows funds’ past returns, which you can enter under “Custom”.
Set your PIR so tax is included, and choose the inflation adjustment to see the result in today’s dollars.
Review the results: your balance at target age, how much came from contributions versus investment growth, and the year-by-year table.
Try a few scenarios, such as a higher contribution, a different fund type or retiring a few years later.
How contributions affect your retirement savings
Each contribution has years to compound, so even small increases made early can make a noticeable difference by retirement. Try changing the regular contribution above and compare the results. In KiwiSaver, contributing at least $1,042.86 a year also earns the maximum government contribution.
Best practices
Use a realistic return for your fund type, not last year’s best performer.
Look at the result in today’s dollars, so you know what it could actually buy.
Revisit your numbers each year, or when your circumstances change.
Treat the results as a guide, and get advice before making big changes.
A few minutes with a calculator can show whether you’re on track and what to change if you’re not. Use this calculator for savings outside KiwiSaver, our KiwiSaver Investment Calculator for your KiwiSaver, and Sorted’s Retirement Navigator to turn the total into a retirement income.
Want to talk through your numbers with Andrew and get advice based on your full situation?