Retirement Savings Calculator NZ 2026

No. This projects your own savings only. NZ Super is paid from age 65 to those meeting the residency criteria, regardless of what you have saved, so treat this projection as money on top of it rather than instead of it.

Only if you enter your KiwiSaver figures. KiwiSaver has its own rules — employer contributions, the annual government contribution, and locking until 65 except for a first home or hardship. Use the KiwiSaver Growth Calculator to model those specifically.

No, though the arithmetic changes. With a shorter horizon, contributions matter more than compounding, and there is less time to recover from a market fall — which is why many people shift towards lower-volatility funds as retirement approaches.

Entering a nominal return gives a large figure in future dollars that overstates what it will buy. Subtracting expected inflation first produces a result in today's purchasing power, which is far more useful for judging whether the plan is enough.

Fund fees, tax on investment earnings at your PIR, career breaks, and the fact that real returns vary year to year rather than arriving as a steady average. It is a scenario, not a forecast.