KiwiSaver calculator and tools

How much money will you need to have for the retirement lifestyle you want? How much could you save with KiwiSaver? Our quick and easy calculator can help you make sure you’re on track. Plus we’ve got some other useful tools to help.

KiwiSaver account calculator

Are you on track to have the retirement lifestyle you want? Whether your retirement dream is to potter in your garden, volunteer in your local community or travel the world, KiwiSaver can help you get there.

And, our easy to use calculator can help you work out whether you’re on track to achieving your retirement savings goals.

How does it work?

The calculator takes your personal information and uses some assumptions to tell you:

  • the projected amount you will have;
  • the amount you might need; and
  • whether you will have a contribution gap or a surplus, in retirement.

It also suggests some actions you can take to 'close the gap' if it doesn't look like you'll make it.

You can find out more about the assumptions used, and how the calculator works, under 'Assumptions' at the bottom of the calculator. 

Get started now!  

Get your communications via email

If you'd prefer email to paper, you can get most of your communications electronically (you'll save some trees this way, too). Plus, you'll also receive our quarterly Spotlight newsletter, delivered right to your inbox, free of charge.

To provide or update your email address, email your full name, date of birth and IRD number to, or call us on 
0800 736 034.

Other useful tools

ANZ website

Our website provides more information about the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme, including the guide and product disclosure statement for each scheme, annual report for each scheme, forms to help you manage your ANZ KiwiSaver Scheme or ANZ Default KiwiSaver Scheme account and regular updates on fund performance.

Risk profile tool

Answer five easy questions to identify your tolerance for risk to help you decide which fund might be appropriate for you. 

Prescribed investor rate (PIR) change request form

So we can calculate and pay the right amount of tax on your behalf, you need to tell us your PIR and let us know if it changes. You also need to tell us your IRD number.

If you don’t give us both your PIR and IRD number the default PIR of 28% will apply.

Use this form to update your PIR. 

KiwiSaver first home withdrawal pre-approval request

If you've been a KiwiSaver member for at least three years, you may be able to use your KiwiSaver savings to help you buy your first home. To be eligible, you also need to confirm that:

  • you haven't previously made a withdrawal to buy your first home
  • you intend to live mostly in the property you're buying
  • you've never before owned your own property (except for a few limited circumstances)
  • the property you're buying is in New Zealand.

If you think you're eligible, use this online form to request your KiwiSaver first home withdrawal pre-approval letter. Along with your letter, you'll also receive a guide to using KiwiSaver to buy your first home, as well as an application form so you can take the next step when you're ready.

 The fine print Hide
Join the ANZ KiwiSaver Scheme

Find out how to join or transfer today

Need financial advice?

Find out how ANZ can help

Guide and PDS

ANZ KiwiSaver Scheme