Finance/Calculator

Retirement Calculator

Project your retirement savings based on current age, contributions, and expected returns. Localised for your country's pension scheme.

Your Retirement Details

Current Age

Retirement Age

Current Savings (NZ$)

Monthly Contribution (NZ$)

Expected Annual Return (%)

Withdrawal Period (years)

🇳🇿 New Zealand Scheme: KiwiSaver

Projected at RetirementNZ$1,015,589

Retirement Projection

1%current

At Retirement (65 yrs)

NZ$1,015,589

Monthly income: NZ$3,385/mo

Contributions: NZ$220,000Growth: NZ$795,589

AgeProjected Savings

Age 35 NZ$49,973

Age 40 NZ$106,639

Age 45 NZ$186,971

Age 50 NZ$300,851

Age 65 🎯NZ$1,015,589

🇳🇿 New Zealand: KiwiSaver: 3% minimum employee + 3% employer. Government adds NZ$521/year.

Advertisement728×90

How It Works

The retirement calculator uses compound interest to project the future value of your current savings and monthly contributions over your working years.

Two formulas are combined: (1) FV = PV × (1+r)^n for your existing savings, and (2) FV = PMT × [(1+r)^n – 1] / r for monthly contributions. Both are then added to give your total projected balance at retirement.

Results are automatically localised for New Zealand with pension scheme names, contribution limits, and local notes.