Lift Off / Calculators

Salary Sacrifice

See how changing your KiwiSaver contribution rate affects your fortnightly take-home pay and projected retirement balance — using 2025–26 NZ tax rates.

Gross Annual Salary

Current KiwiSaver Balance

Current Contribution Rate

Proposed Contribution Rate

Employer Contribution Rate — 3.5%

3.5%10%

Investment Period — 30 years

1 yr40 yrs

Estimated Annual Return — 7%

3%10%

Student Loan

12% on income above $22,828

KiwiSaver Balance Growth

$2,186

Current Take-Home

/ fortnight

$2,099

Proposed Take-Home

/ fortnight

-$87

Fortnightly Difference

proposed vs current

+$228,745

Extra in KiwiSaver

at end of period

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Calculations use 2025–26 NZ tax rates. Employer ESCT rates are approximate. This tool is for illustrative purposes only and does not constitute financial advice. Speak with a Lift Off adviser for personalised guidance.