KiwiSaver

KiwiSaver at 65 & first home

Your age

years

KiwiSaver balance now

Salary before tax

You put in

Fund type (yearly return after fees)

Pay rises each year

Buying a first home in

years

At 65 (in 35 years)$541,203about $270,616 in today's money · could pay roughly $208 a week

Starting balance$15,000
You put in$124,962
Employer (after ESCT)$84,852
Government$9,125
Investment growth$307,264

First home in 3 years$29,663 you could withdrawAfter 3 years in KiwiSaver you can take out everything except $1,000 to buy your first home.

Government adds 25c for every $1 you put in, up to $260.72 a year (not if you earn over $180,000). Employer 3.5% from April 2026. Returns aren't guaranteed; this is an estimate.

KiwiSaver

KiwiSaver at 65 & first home

Your age

years

KiwiSaver balance now

Salary before tax

You put in

Fund type (yearly return after fees)

Pay rises each year

Buying a first home in

years

At 65 (in 35 years)$541,203about $270,616 in today's money · could pay roughly $208 a week

Starting balance$15,000
You put in$124,962
Employer (after ESCT)$84,852
Government$9,125
Investment growth$307,264

First home in 3 years$29,663 you could withdrawAfter 3 years in KiwiSaver you can take out everything except $1,000 to buy your first home.

Government adds 25c for every $1 you put in, up to $260.72 a year (not if you earn over $180,000). Employer 3.5% from April 2026. Returns aren't guaranteed; this is an estimate.