How much will my KiwiSaver be worth?
No one can promise a figure, because it depends on things that change: how much you contribute, the fund you are in, the fees you pay, and how long the money compounds. The good news is you control most of those. Here is how to estimate your number and what moves it most.
The inputs that decide your balance
Four inputs drive the result: your contribution rate, plus your employer’s and the government’s top-ups, your fund type, your fees, and time. Of these, fees and fund choice are the ones most people leave on autopilot.
Why fees move the number more than you think
Across the market, fees average around 0.71% of your balance a year (FMA KiwiSaver Annual Report, 2025), but the spread is wide, and a difference that looks small compounds over decades. See the KiwiSaver fees comparison.
Estimate your own number
The most reliable way to model your balance is to plug your real details into the Sorted KiwiSaver calculator. Then check your fund and fees against the market. For age-based context, read how much should I have in KiwiSaver by age.
Compare KiwiSaver funds and fees on Kāhu.
Frequently asked questions
Can anyone tell me exactly what my KiwiSaver will be worth?
No. It depends on your contributions, fund type, fees and time, and returns are not guaranteed.
What has the biggest effect on my final balance?
Your contribution rate and time invested, then your fund type and fees, which are the ones most people overlook.
Where can I model my KiwiSaver balance?
The Sorted KiwiSaver calculator lets you enter your own details and project a range.
Kāhu provides general information, not personalised financial advice. Kāhu is a KiwiSaver comparison and switching platform operated by Financial Advice NZ Limited, a licensed Financial Advice Provider (FSP1009051). The figures here are general and current as at June 2026. For advice on your situation, speak to a licensed financial adviser.