United States · https://decisionscalc.com/tools/kiwisaver-calculator/
KiwiSaver calculator: your balance at 65
Built on the rules in force from 1 April 2026: your contribution, your employer’s after tax, the government contribution, the tax on your fund (PIR) and fees. See what your KiwiSaver could be worth when you can take it out at 65.
Your KiwiSaver at 65
Your first year, line by line
| Item | Rule | Amount |
|---|---|---|
| You contribute | 3.5% | – |
| Employer contribution (gross) | 3.5% | – |
| Less ESCT | – | – |
| Government contribution | 25c per $1, up to $260.72 | – |
ESCT on your employer’s contribution
| Salary plus employer contribution | ESCT rate |
|---|---|
| $0 to $18,720 | 10.5% |
| $18,721 to $64,200 | 17.5% |
| $64,201 to $93,720 | 30% |
| $93,721 to $216,000 | 33% |
| $216,001 and over | 39% |
Your balance, year by year
Frequently asked questions
How much do I and my employer put in?
From 1 April 2026 the default rate is 3.5% of your gross pay, and your employer must pay at least 3.5% on top. Both rise to 4% from 1 April 2028. You can choose 4%, 6%, 8% or 10% instead. A temporary rate reduction to 3% lasts 3 to 12 months and then resets to the default.
How much is the government contribution?
From 1 July 2025, 25 cents for every dollar you contribute between 1 July and 30 June, up to $260.72 a year. You get the most by contributing $1,042.86. It is not paid if your taxable income is over $180,000, and it stops when you turn 65.
Why is my employer’s contribution less than 3.5% when it arrives?
Employer contributions are taxed before they reach your account. This is employer superannuation contribution tax (ESCT), at 10.5% to 39% depending on your salary plus the employer contribution.
What PIR should I use?
Your prescribed investor rate depends on your income in the last two tax years: 10.5%, 17.5% or 28%. If you never tell your provider, you pay 28%, which may be more than you owe. The calculator suggests a rate from your salary.
When can I take the money out?
At 65, the age of eligibility, by contacting your provider. Earlier withdrawals are allowed only in limited cases, such as buying your first home. From 65 your employer no longer has to contribute and the government contribution stops, so the calculator stops at 65.
Related
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| Metric | Scenario A | Scenario B | Difference |
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