Compare KiwiSaver scenarios
Save up to three scenarios and see them on one chart. They stay on this device, and a share link lets you send the comparison to someone else.
The short answer
Three ways a 30 year old on $70,000 with $20,000 could set up KiwiSaver, at 65 in today’s dollars: default rate in a balanced fund gives $302,947; 6% in a balanced fund gives $382,990; 6% in a growth fund gives $461,016.
Example
| Scenario | Details | At 65, today’s dollars | Annual statement | Weekly to 90 | Remove |
|---|---|---|---|---|---|
| Default rate, balanced | Age 30, $70,000, $20,000 saved, 3.5% then 4%, Balanced | $302,947 | $277,000 | $230 | |
| 6%, balanced | Age 30, $70,000, $20,000 saved, 6%, Balanced | $382,990 | $375,000 | $310 | |
| 6%, growth | Age 30, $70,000, $20,000 saved, 6%, Growth | $461,016 | $452,000 | $370 |
- Default rate, balanced
- 6%, balanced
- 6%, growth
Rules as at 10 November 2026. Paid by no KiwiSaver provider. General information, not financial advice.
Common choices compared
At 65 in today’s dollars for a 30 year old on $70,000 with $20,000 saved.
| Choice | Conservative | Balanced | Growth |
|---|---|---|---|
| 3.5% then 4% | $253,078 | $302,947 | $366,092 |
| 4% | $253,892 | $304,075 | $367,648 |
| 6% | $321,123 | $382,990 | $461,016 |
| 8% | $388,353 | $461,906 | $554,384 |
| 10% | $455,584 | $540,821 | $647,752 |
Questions people ask
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