Your KiwiSaver, projected to 65.
Track employee + employer + government KiwiSaver contributions. Visualise your balance at 65 at different contribution rates. Warn if you fall below the 3% minimum and miss the employer match.
Three Contribution Streams
Track employee deductions, employer match (minimum 3%), and the $521.43 annual government top-up. See exactly who contributed what.
Balance Projection
Forecast your KiwiSaver balance at 65 based on current contributions, age, expected returns and provider fees. Stress-test 3% vs 6% vs 10%.
Minimum Match Warning
If your contribution drops below 3%, your employer can also stop matching. We warn before you miss the free money.
First Home Withdrawal
Track eligibility for first-home KiwiSaver withdrawal (minimum 3-year membership). See projected available amount.
Provider Performance
Connect Milford, Simplicity, Booster, Fisher Funds, Generate, ASB, Westpac, BNZ. Compare net-of-fees performance.
Savings Suspension Tracker
Savings Suspension (formerly Contribution Holiday) can be 3-12 months. Track elapsed time and warn before expiry.
How it works
- 1
Connect your provider
Milford, Simplicity, Booster, Fisher Funds, Generate, ANZ NZ, ASB, Westpac NZ, Kiwibank, BNZ supported via Akahu where available.
- 2
Set your contribution rate
3%, 4%, 6%, 8% or 10%. We track all three streams (employee, employer, government).
- 3
See your balance at 65
Projection uses your provider’s historical net returns minus fees. Stress-test alternative rates.
- 4
Track milestones
First-home eligibility, contribution rate changes, savings suspensions, provider switches — all logged.
Frequently asked questions
How accurate is the projection?▼
We use your provider’s actual published returns and fees. Real-world variance is significant — always treat projections as estimates, not guarantees.
What is the government top-up?▼
$521.43 per year, paid annually if you contribute at least $1,042.86 between 1 July and 30 June. Self-employed and contractors must contribute directly to qualify.
Can I withdraw early?▼
Generally no until age 65 (or NZ Super eligibility). Exceptions: first-home buyers (after 3 years membership), serious financial hardship, terminal illness, permanent emigration.
Does PocketSpend hold my KiwiSaver funds?▼
No. Funds stay at your provider. We have read-only access to balance and contribution data via Open Banking partners.
Try KiwiSaver Tracker free
Free plan forever. No credit card. Cancel anytime.