KiwiSaver Contribution Comparison
Compare 3% / 4% / 6% / 8% / 10% over time.
NZ$
NZ$
%
%
%
%
Difference at retirement
$265,755
Going from 3% to 8% adds this much by year 30
| Future value at 3% | $405,345 |
|---|---|
| Future value at 8% | $671,101 |
| Extra balance from higher rate | $265,755 |
About this calculator
Compare two contribution rates side-by-side on the same salary trajectory and fund return. The difference compounds heavily over 20+ years.
- Increasing from 3% to 6% on an $80,000 salary at 5% return for 30 years adds about $250,000 to your retirement balance.
- Higher contributions reduce take-home but unlock more of the employer match (only on what you contribute up to 3%).
Frequently asked questions
Should I always contribute the most I can?
Not necessarily — emergency fund and high-interest debt come first. Once those are sorted, increasing your KiwiSaver rate is one of the best long-run wealth moves available.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.