Calculators > Kiwisaver > KiwiSaver decision guide

KiwiSaver decision guide

This guide helps you make a well-informed decision about whether or not to join KiwiSaver. It shows you:

  • How much you need to save for your retirement.
  • How KiwiSaver can help you reach that amount.
  • How KiwiSaver can help you buy your first home.
  • Whether it's financially beneficial for you to pay off debts before joining KiwiSaver or not.

The guide also helps you decide if you can afford to save 4% of your pay.

 

KiwiSaver decision guide

 
$

If employed

Kiwisaver contribution (as a % of your before tax salary):

%
%
This will increase by 1% each year from 1 April 2008 to reach a maximum of 4% at 1 April 2011.
$

If self-employed/not employed

$
$

Credit card debt (optional fields)

$
%
$

Mortgage debt (optional fields)

$
%
$
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Prior to changing your personal finances as a result of this Guide we recommend you view our disclaimer.
Notes on this calculator
  1. Results are in today's dollars - this means that any amount you pay or receive in the future will have the same buying power as this many dollars today.

    Learn more about Today's Dollars.
  2. These calculators are designed to give you ballpark figures only - in other words, they won't be exact to the absolute dollars and cents.
  3. You don't need to use dollar signs or commas when inserting dollar amounts. Example: 10500 not $10,500.