Use it yourself
Quick estimate, no email needed.
Run a rough projection and see the shape of the answer — useful for orienting yourself before a real conversation.
Open the tool
Tools
First Home Deposit Calculator
Model how your KiwiSaver balance and contributions add up toward a first-home deposit, and what timeline that puts you on.
Or talk it through
Walk through it with an adviser.
A short call is usually faster, and you get a recommendation for your situation, not just a number.
What this checks
The inputs behind the result.
Purchase price & deposit target
What you're aiming to buy, and roughly what deposit that needs.
KiwiSaver balance & withdrawal rules
What you can actually access under the first-home withdrawal rules.
Timeline to purchase
How contribution rate and time change what you'll have to put down.
Any shortfall
Where a gap remains, and what typically helps close it.
FAQs
Common questions about this tool.
No. This tool gives you a general, indicative result based on what you enter — it doesn't take into account your full financial situation, so it isn't personalised advice. If you want advice you can rely on, book a free review with a licensed Smiths adviser.
No. The tool is free, and if you go on to get advice from Smiths we don't charge an advice fee either. We're paid by the KiwiSaver provider or insurer if you decide to go ahead, and by law your interests come first either way.
You'll see roughly what you can put toward a deposit and when. An adviser can talk through your KiwiSaver withdrawal, timing, and what else might help you get there sooner.
Talk to the team.
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.