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
KiwiSaver Growth Calculator
Project your KiwiSaver balance through to 65 with real NZ rules. ESCT bands, government match cap, fund profiles, and inflation-adjusted returns.
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.
Balance & contributions
Your current balance, contribution rate, and any employer or government top-ups.
Fund type & growth rate
How conservative, balanced, or growth-oriented your settings are.
ESCT & the government cap
The real NZ rules — tax bands and the annual government contribution cap.
Projected balance to 65
Where the numbers point to, adjusted for inflation, not just a straight-line guess.
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 a projection of where your KiwiSaver is heading. An adviser can talk through what would actually move that number, from contribution rate to fund choice.
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.