About KiwiSaver Calculator NZ
Free, independent KiwiSaver calculators for New Zealanders. Built and run by Crucible, an independent New Zealand company. Paid by no KiwiSaver provider.
How the numbers are checked
Every rule comes from the law and official sources: the KiwiSaver Act 2006, Schedule 7A of the Financial Markets Conduct Regulations 2014, Inland Revenue and the FMA. ESCT comes from the same tested engine as PAYE Calculator NZ.
Before any change goes live, the engine must pass every test listed on the methodology page, including the government contribution cases from Inland Revenue and the Schedule 7A formula to the cent.
Independent
This site is paid by no KiwiSaver provider. There are no referral fees, no provider deals and no adviser leads. It may show Google ads to stay free, never above a result. It does not recommend any provider or fund.
Who runs it
KiwiSaver Calculator NZ is a product of Crucible, the company behind Calculate.co.nz, a long-running free calculator site. For wider money questions, try Calculate.co.nz.
This site is not affiliated with Inland Revenue or any KiwiSaver provider. It gives general information, not financial advice.
Rules in use
- Government contribution: $260.72
- Income cap for the government contribution: $180,000
- Default employee rate: 3.5% now, 4% from 1 April 2028
- Return to 65, after fees and tax (Balanced): 3.5%
Rules as at 10 November 2026.