KiwiSaver guides
Plain English guides to KiwiSaver, checked against the law and official sources, with every number from the same engine as the calculators.
Guides are on the way: choosing your rate, the government contribution, fund types, fees, first homes and retirement. In the meantime, every calculator explains its own figures.
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Other KiwiSaver questions
Lifetime projection
How much you will have at 65, by source.
Open →Contribution rate
What 4%, 6%, 8% or 10% costs and adds.
Open →Government contribution
Get the full $260.72 before 30 June.
Open →Fund types
Defensive to aggressive, side by side.
Open →Fee impact
What a higher fee costs you by 65.
Open →First home withdrawal
How much you can take out, and when.
Open →Compare scenarios
Up to three scenarios on one chart.
Open →KiwiSaver and the 2026 election
What each party’s proposal would mean for your balance at 65.
Open →