Kiwisaver Calculator Assumptions

Our KiwiSaver projections are based on industry-standard forecast rates of return (after fees and tax at 28%) as set by the Financial Markets Authority (FMA).


Estimated Annual Returns by Fund Type:

  • 📉 Conservative: 2.5% per year
  • âš– Balanced: 3.5% per year
  • 📈 Growth: 4.5% per year
  • 🚀 Aggressive: 5.5% per year



Key Assumptions Behind the Projections:

✅ No savings suspensions or withdrawals take place.
✅ If employed, we assume a 3.5% salary increase per year and a 3% employer contribution.
✅ Projections do not include self-employed or non-working individuals.
✅ Annual government contributions of up to $521.43 are included (not adjusted for inflation).
✅ Fees, tax rates, and government contributions remain unchanged until age 65.
✅ All projected balances are shown in today’s dollars, adjusted for 2% annual inflation.

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