KiwiSaver Projection
See your estimated KiwiSaver balance at 65, the cost of fees, and how different fund types affect your retirement.
Your details
Adjust the inputs below to see your projected KiwiSaver balance at retirement.
Projected balance at 65
$621,702
Over 35 years
Your fortnightly contribution
$75.00
deducted from your pay
What makes up your final balance
You contribute
$117,901
Employer
$79,824
Govt contributions
$9,125
Balance over time
Balanced · ~6% p.a.Fund type comparison
Same inputs, different funds. Click a row to switch.
| Fund | Risk | Assumed return | Balance at 65 | Total growth |
|---|---|---|---|---|
Defensive | Low | 3.00% | $342k | +$144k |
Conservative | Low–Med | 4.00% | $414k | +$220k |
Balanced | Medium | 6.00% | $622k | +$437k |
Growth | Med–High | 8.00% | $965k | +$795k |
Aggressive | High | 9.00% | $1.2M | +$1.1M |
Assumed returns are illustrative historical averages. Past performance does not guarantee future returns.
The fee drag
At 0.50% annual fees, here's what you lose over 35 years.
Without fees
$694,462
0% annual fee
With your fees
$621,702
0.50% annual fee
Fees cost you
$72,760
($37,543 total fees paid)
Even small differences in fund fees compound significantly over decades. A lower-fee fund offering a similar return could meaningfully improve your retirement outcome.
This is not financial advice. Projections are estimates based on assumed returns, historical NZ fund averages, and 2025–26 tax rates. Actual results will vary.
Assumptions & FAQ