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Westpac KiwiSaver Scheme Calculator.
Answer eight simple questions to calculate how much you could have for a first home or retirement. Then see how a few small changes could grow your KiwiSaver balance for Future You.
Things you should know.
This calculator has not been updated to reflect the changes to KiwiSaver following the 2025 Budget Announcement, these include changes to the employee and employer contribution rates, the minimum age for government contributions and the maximum value of the government contributions you could be eligible to receive. We are working on updating this by 1 November 2025 or sooner. Find out more about these changes.
The calculator contains information of a general nature intended to help you determine what your KiwiSaver balance might be at retirement. It is not intended as, and should not be taken as, a financial advice service, or a recommendation or opinion in relation to any particular financial product or action.
The calculator uses assumptions about future events, such as what investment returns may be. The calculator does not reflect actual returns or predict future returns (which are subject to investment and other risks, including possible loss of income and principal invested). Returns are not guaranteed, and will vary over different periods depending on investment performance. When returns change, your KiwiSaver balance will go up and down.
The amounts (first home withdrawal, retirement lump sum, and retirement income) projected by this calculator should be treated as a guide only. The projected KiwiSaver first home withdrawal amount in particular is an estimate only. Any withdrawal will be subject to eligibility criteria - find out more here.
For more information about how the projections are calculated, see Calculations and Assumptions.
Where the calculator requires users to enter data, the information is used only to produce and display projection results for the user. The user’s personal information is not otherwise collected, stored, used or shared.
BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme). Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme’s performance, returns or repayment of capital.
The information above is subject to changes to government policy and law, and changes to the Scheme from time to time.
For a copy of the Product Disclosure Statement or more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the Product Disclosure Statement.