Project your KiwiSaver & investment balance

Important — please read before using this tool. All figures shown are illustrative only and do not constitute personalised financial advice. Medium scenario return rates are based on the Morningstar KiwiSaver Survey, December Quarter 2025 (10-year annualised category averages to 30 December 2025), reported after fees and before tax. Morningstar category averages used: Conservative 4.2% p.a. (shown as Defensive), Moderate 5.0% p.a. (shown as Conservative), Balanced 6.9% p.a., Growth 8.2% p.a., Aggressive 9.5% p.a. These figures are historical and are used as illustrative long-run assumptions only — they are not forecasts, guarantees, or representations of future performance. Low and high scenarios are the medium rate ±2.5 percentage points. Actual returns will differ, potentially significantly, and may be negative in some years. KiwiSaver rates: The default employee and employer contribution rate increased to 3.5% on 1 April 2026, rising to 4% on 1 April 2028. Members may apply to temporarily stay at 3%. The government KiwiSaver contribution is currently up to $260.72/year (25 cents per $1 contributed), effective 1 July 2025 — reduced from the previous $521.43. Eligibility requires income ≤ $180,000 and own contributions of at least $1,042.86 in the KiwiSaver year (1 July–30 June). This tool assumes constant contributions and does not account for tax, salary changes, breaks in membership, fund type changes, or future legislative changes. Inflation adjustment uses an assumed 2.5% p.a. Past performance is not a reliable indicator of future returns. Barker Wealth Limited (FSP1011124) is a licensed Financial Advice Provider. Personalised financial advice is provided only after we understand your full circumstances.