Lift Off / Calculators
KiwiSaver Projector
Forecast your KiwiSaver balance at retirement. Adjust your contribution rate and fund type to see how small changes compound over time.
+ 3% employer (net of 30% ESCT) + $260.72 govt tax credit p.a.
Projected Balance
$1.19M
Projected Balance
$168,000
Total Contributions
$1.02M
Investment Growth
$6,272
Est. Monthly Income
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Uses monthly compounding. Employer contributions shown net of ESCT (Employer Superannuation Contribution Tax) at your income bracket rate. Government member tax credit is $260.72/yr (from 1 July 2025) — requires at least $1,042.86 of your own contributions per year and income below $180,000. Employer minimum rate increases to 3.5% from 1 April 2026. Monthly income estimate assumes 4% return in retirement, drawing down to age 90. Returns are not guaranteed. For personalised advice, speak with a Lift Off adviser.