Figure out how much to contribute to KiwiSaver

It can be hard to think about investing in KiwiSaver when you’ve got so many short-term priorities, but making regular contributions means your money will grow much more for the long term.

Start now and find out why putting your money into KiwiSaver is the one of the best things you can do for your financial future.

KiwiSaver calculator

Investing regularly in KiwiSaver over your working life will reap rewards. Use our calculator to estimate how much you can build up for your future.

Start now

Top money hacks

You want to make sure you’re getting all the incentives you can from your employer and the government. That way it’s not just you contributing.
Take advantage of free government money in your KiwiSaver by putting in $20 a week – the government will add $10. This could be worth as much as $36,000 more for you in the long run.
Even with an average salary, lifting your contributions from 3% to 10% could give you $320,000 more for your retirement.

Recommended for you

Here are some key guides, tools and blogs to help you sort your KiwiSaver.

Guide

Reading time: 11 minutes

How KiwiSaver works and why it's worth joining

Most of us can benefit from joining KiwiSaver. It's an easy and affordable way to save and invest for your future.

A man and women are standing in front of a home looking towards each other and smiling

Guide

Reading time: 8 minutes

Make the most of KiwiSaver and grow your balance

With some savvy choices early on, you can get many more thousands of dollars out of KiwiSaver. Here’s how.

Blog

Reading time: 3 minutes

When it comes to KiwiSaver, any free money is good money

Don't miss out on KiwiSaver government contributions – 50c for every $1 you put in, up to $521 every year. Even if you’ve got just $20 you can contribute, put it in so you get $10!

Blog

Reading time: 6 minutes

Learn more about KiwiSaver and how thinking long-term will help you get ahead.

KiwiSaver may have ups and downs, so find out more about choosing the right fund for you and investing for the long-term.

Blog KiwiSaver volatility iStock 655134792 resized

Ready to own that home?

Be sure not to miss our podcast, Sussed, Sorted, Shifting. In this episode, Sorted’s money expert Tom Hartmann discusses all aspects of home ownership with Jordan, Brook, and Marc.

Listen right here, or on your favourite podcast streaming apps.

Next steps

To get on your way sorting your KiwiSaver, here are some key actions to take.

Know how it works

KiwiSaver is so much more than a saving account – it has multiple contributions going in that earn you returns when they’re invested. Here’s more.

Forecast your future

Your future KiwiSaver results depend on how much you, your employer and the government contribute… and what type of fund you’re in. See how much.

Lift your contributions

There are really no limits on how much you put in – you simply notify your employer or set up your own automatic payment. Estimate what difference it could make.

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6 steps to get your money Sorted

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6 steps to getting your money sorted

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It can be hard to think about investing in KiwiSaver when you’ve got so many short-term priorities, but making regular contributions means your money will grow much more for the long term.