KiwiSaver Projection Calculator
Complete the KiwiSaver Calculator below and book in a FREE chat with us!
This tool compares three model providers (A, B and C) to show how different long-term returns can change your future balance. It’s for education only — not financial advice.
Step 1: Tell us about your situation
Enter your current balance, income and contribution rates. We’ll use this to estimate how much you’re putting into KiwiSaver.
Step 2: Compare different return assumptions
Provider A has the lowest assumed long-term return, Provider B is mid-range, and Provider C is the highest. Default view shows A–Conservative, B–Balanced, C–High Growth.
| Model provider | Conservative | Moderate | Balanced | Growth | High Growth |
|---|---|---|---|---|---|
| Provider A (lowest) | |||||
| Provider B (mid-range) | |||||
| Provider C (highest) |
Step 3: See the difference on the graph
Toggle between bar and line view. Each point shows the projected balance at the end of your chosen timeframe.
Projection details
| Provider & fund | Assumed return p.a. | Projected balance |
|---|
A Lowest | B Mid | C Highest
Assumptions used (per provider & fund type)
Annual return assumptions (after fees, before tax). Actual returns will be higher or lower.
| Provider | Conservative | Moderate | Balanced | Growth | High Growth |
|---|---|---|---|---|---|
| A (lowest) | 3.0% | 4.0% | 5.0% | 6.8% | 8.0% |
| B (mid-range) | 3.2% | 4.2% | 5.2% | 7.0% | 8.5% |
| C (highest) | 3.4% | 4.5% | 5.5% | 7.5% | 9.0% |
This calculator is a simple illustration only. It does not use any provider-approved projections and does not account for tax, changes in contributions, fees, market volatility or government contributions. It is not personalised financial advice.
Want help choosing a KiwiSaver fund?
Book a time or message me below. This tool is for education only — we can tailor a plan to your actual goals and timeframe.
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ABC Insurance Ltd