KiwiSaver Calculator NZ
See exactly what you put in, what your employer adds, how much ESCT the taxman takes out of the employer's share, and what the whole lot could be worth by the time you retire.
Your details
Where every KiwiSaver dollar goes
You contribute
$2,100
$40 a week, from your gross pay
Employer contributes
$2,450
before ESCT is deducted
Lands in your fund
$3,815
per year, both contributions combined
| Component | Rate | Per year |
|---|---|---|
| Your contribution | 3% | $2,100 |
| Employer contribution (gross) | 3.5% | $2,450 |
| Less ESCT | 30% | −$735 |
| Employer contribution (net into fund) | — | $1,715 |
| Total invested each year | — | $3,815 |
On $70,000 a year, contributing 3% leaves you with about $53,511 in take-home pay after PAYE, the ACC earner levy and KiwiSaver — roughly $1,029 a week.
What it could grow to
A simple projection assuming your salary and contribution rates stay the same and returns are steady. Real returns vary year to year and fees and tax on fund earnings are not included.
Total contributed
$76,300
Investment growth
$56,154
Projected balance
$132,454
KiwiSaver, in plain English
- Your contribution
- You choose 3%, 4%, 6%, 8% or 10% of your gross pay. It comes out of every payday alongside PAYE, so a higher rate means more savings but less cash in hand right now.
- Employer contribution
- Your employer must add a compulsory contribution on top for eligible employees. This is genuinely extra money — it is not deducted from your pay.
- ESCT (Employer Superannuation Contribution Tax)
- The employer's contribution is taxed before it reaches your account. The rate steps up with your total income, from 10.5% to 39%, which is why a 3.5% employer contribution arrives as $1,715 rather than $2,450 on this salary.
- Government contribution
- The Government also tops up eligible members' accounts each year based on what they have contributed. Eligibility rules and the amount are set by Inland Revenue, so check ird.govt.nz/kiwisaver for the current settings. It is not included in the projection above.
Related NZ pay and tax calculators
Keep going with the rest of the toolkit — each one uses the same up-to-date New Zealand tax settings.
- Pay Rise CalculatorSee exactly how much of a pay rise you keep after every deduction.
- After-Tax Pay CalculatorTurn a gross salary into weekly, fortnightly and monthly take-home pay.
- PAYE Calculator NZ 2026Band-by-band PAYE on your income, plus ACC and student loan.
- Average Salary NZMedian pay from Stats NZ and how your salary compares.