How much will you have in KiwiSaver when you turn 65?
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KiwiSaver contributions come from you (3.5% minimum from April 2026), your employer (3.5%, taxed as ESCT) and the government (25 cents for every dollar you put in, up to $260.72 a year if you earn $180,000 or less).
Your fund type makes a big difference over decades: growth funds have historically returned more than conservative ones, with more ups and downs.
| Your age | 30 years |
| Salary | 75,000 $ |
| Your contribution | 3.5% |
| Employer contribution | 3.5% |
| Current balance | 10,000 $ |
| Yearly return after fees and tax | 5.5% |
| Yearly pay rise | 3% |
| KiwiSaver at 65 | $742,191 |
| You contribute | $158,713 |
| Employer (after ESCT) | $107,038 |
| Government contributions | $7,822 |
| Investment returns | $458,619 |
$742,191.
| Your age | 45 years |
| Salary | 90,000 $ |
| Your contribution | 6% |
| Employer contribution | 3.5% |
| Current balance | 60,000 $ |
| Yearly return after fees and tax | 5.5% |
| Yearly pay rise | 3% |
| KiwiSaver at 65 | $518,634 |
| You contribute | $145,100 |
| Employer (after ESCT) | $56,902 |
| Government contributions | $5,214 |
| Investment returns | $251,417 |
$518,634.
25c for each $1 you contribute, up to $260.72 a year (from 1 July 2025), if you earn $180,000 or less and are 18 or over.
The default minimum is 3.5% for employees and employers from 1 April 2026, rising to 4% from April 2028.
Yes, after 3 years of membership you can withdraw most of your balance for a first home.
Growth funds suit long time frames; conservative funds suit people needing the money soon.