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
Retirement Calculator
See how your KiwiSaver and other savings are tracking against the retirement you want, and where a gap might be opening up.
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.
Current savings
KiwiSaver and any other retirement savings you already hold.
Retirement age & income goal
When you want to stop working, and roughly what you'd like to live on.
Fund settings
How your current fund and contribution rate are tracking against that goal.
The gap to close
A plain-English read on whether you're ahead, on track, or behind.
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 rough gap between where you're tracking and where you want to be at retirement. From there, an adviser can walk through practical ways to close it.
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.