NZ KiwiSaver optimizer
KiwiSaver Boost
Your employer owes you money. Collect it.
Gross annual salary
Your contribution rate
$1,950/yr deducted from your pay
Employer contribution rate
$1,950/yr — employer pays this on top of your gross
Current KiwiSaver balance
Years to retirement
35Assumed annual return
Conservative funds ≈ 4–5%. Balanced ≈ 6%. Growth ≈ 7–8%. All nominal before fees.
Projected balance at retirement
$492,701
in 35 years at 6% p.a.
You're getting the maximum $521.43/yr from IRD. That's $521 that requires zero investment skill — just showing up.
Add a KiwiSaver boost in Allocation Hub
Currently $38/wk to KiwiSaver — add voluntary top-ups here.
You're contributing $1,950/yr — above the $1042.86 threshold. You get the full member tax credit of $521.43/yr. That's free money from the government.
Annual breakdown
$85/wk going into your fund
YES — you're getting the full government contribution
The government adds $521.43/yr to your KiwiSaver. You've earned it.
Retirement summary
Weekly drawdown
$379
per week over 25 yr drawdown
Free money total
$86,500
employer + govt over 35 yr (not compounded)
Projected balance growth
Assumes 6% annual return. 25-year drawdown from age of retirement. Illustration only — not financial advice.