KiwiSaver & Net Wealth

Accumulation to 65 — then retirement drawdown projection

← Mortgage data loaded — net debt by year imported from Tool 1. Adjust mortgage inputs there to update automatically.
KiwiSaver Inputs
Your age
Current balance$159,000
$0$500k
Your contribution3.5%
0% none10%
Employer contribution5%
0% none / self-employed10%
Salary$120,000
$0 no income$300k
Expected annual return7.5%
3% conservative20%
Inflation adjustedSubtracts 2.5%/yr — real purchasing power
Career Phase-Down

Model income changes across career phases. Each phase uses a different salary and contribution rate in the KiwiSaver simulation.

Property
Include property equityHome value − mortgage in net wealth
Retirement Drawdown

Project how long your nest egg lasts after 65. Includes NZ Super for two.

Annual spend in retirement$70,000
$30k modest$200k
NZ Super (couple, after tax)$40,000
$0 (single)$60k
Drawdown return rate5.0%
1% conservative10%
Inflation in retirement2.5%
0%6%
Target age to fund to90
80100
At Age 65 — Accumulation Summary
KiwiSaver at 65
—
projected
Assets cover mortgage
—
year assets ≥ net debt
Net Wealth (today)
—
KiwiSaver − net debt
Net Wealth — KiwiSaver vs Mortgage Debt
Retirement Drawdown — Age 65 onwards
Funds last until age
—
based on current scenario
Net annual gap
—
spend minus NZ Super
Total drawn at 90
—
from KiwiSaver
Balance at 90
—
remaining fund
Annual Net Wealth Table
Year / AgeKiwiSaverNet DebtNet Wealth