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KiwiSaver calculator and tools

As a member of the ANZ KiwiSaver Scheme or ANZ KiwiSaver Default Scheme you have easy access to the tools and information you need to make sure your money is working hard for you – now and in the future.

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 might have;
  • the amount you might need; and
  • whether you will have a shortfall or surplus in retirement.

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

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

Get started now

Other useful tools

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. If you wish to change your fund, you can do so by submitting an online change request.

Calculate and update your Prescribed Investor Rate (PIR)

To make sure you pay the correct amount of tax on your KiwiSaver account you need to tell us your PIR and let us know if it changes. You also need to tell us your IRD number. Use this online form to work out and/or update your PIR.

KiwiSaver first home withdrawal pre-approval request

You may be able to use your KiwiSaver savings to help you buy your first home if you:

  • have been a member of a KiwiSaver scheme (and/or complying superannuation fund) for at least three years
  • haven’t previously made a first home withdrawal
  • have not owned a home or land before
  • are buying a home or land in New Zealand
  • intend to live in the home or on the land you’re buying

For full details, check out our handy guide. If you think you’re eligible and would like to get your first home withdrawal pre-approval letter, simply complete this online form and we’ll be in touch.

Get your communications via email

You can save clutter - and help save the planet - by choosing to get most of your communications via email. We’ll send you a quarterly Spotlight newsletter to help you stay up to date on the performance of your fund(s), what’s happening in the markets and other relevant information.

To provide or update your email address:

Use this online form

Otherwise, you can email your full name, date of birth and IRD number to, or call us on 0800 736 034.

We’re here to help

You have access to more people in more places to help you with anything from simple KiwiSaver questions, to free investment advice.

For further information, please see the relevant guide and product disclosure statement:

The guide and product disclosure statements are available by calling 0800 736 034. The ANZ KiwiSaver Scheme guide and product disclosure statement are also available from any ANZ branch.

Issuer and manager: ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme.

Investments are not deposits in ANZ Group: Investments in the ANZ KiwiSaver Scheme or the ANZ Default KiwiSaver Scheme are not deposits in ANZ Bank New Zealand Limited,  Australia and New Zealand Banking Group Limited, or their subsidiaries (together 'ANZ Group'), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee ANZ Investments. Investments are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment.

No guarantee: Investments in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme are not guaranteed by ANZ Group, any of its directors, or any other person.

For information only: This website has been provided for information purposes only and is subject to change. The content of this website is intended to be of a general nature and does not take into account an investor’s, or potential investor’s, financial situation, investment objectives, or risk tolerance.

Not investment advice: This website is not intended to constitute, does not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Investors, or potential investors, should: (i) conduct independent due diligence on any investments; and (ii) obtain independent investment and professional advice, including tax advice, prior to acting in reliance on this website.

For specific investors only: This website is intended for investors who understand the investment risks referred to on it. Some, or all, of the investments mentioned on this website may not be suitable for certain investors. Investors, or potential investors, should consider whether: (i) an investment is appropriate for their risk profile; and (ii) they will meet the suitability requirements relating to those types of investments.

Speak to a financial adviser: This website is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult a financial adviser, please call us on 0800 269 238 and we will provide you with the contact details for a financial adviser in your area. A financial adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008.

Past performance: Past performance does not indicate future performance. The actual performance any given investor realises will depend on many things, is not guaranteed and may be negative as well as positive.

How performance is calculated: Except for in the quarterly KiwiSaver fund updates (in which investment performance is calculated after fees and at a 28% prescribed investor rate), performance is after annual fund charges, and before tax and membership fees. The funds in respect of products mentioned on this website are portfolio investment entities (PIEs). Performance for funds operating before they became PIEs on 1 October 2007 has been recalculated to be on the same (pre-tax) basis. Returns for all periods longer than 1 year are annualised.

Unit prices: The unit price is calculated in accordance with the applicable governing document (each as amended, added to or replaced) for the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme. The actual unit price that applies at the time a transaction request is received and accepted may differ from the unit price shown.