Learn with JUNO
Use this calculator to show how forming a good investment habit helps you save for your retirement.
Age must be between 0 and 64
Please enter a value between $0 and $5,000,000
Please enter a value between $1 and $
Please enter a value between $1,000 and $1,000,000
Personal contribution rate
* How we worked this out?
These figures only relate to KiwiSaver and do not take into account any other retirement savings or income you may have or be entitled to.
These figures are estimates only. They are calculated based on your current balance, contribution rate, and fund choice, and an assumed rate of return of 4.5%.
The calculation uses a number of assumptions, including some about future events such as what investment returns and inflation are likely to be.
The standard assumptions are set by the government and are important because they affect the result of the calculation. Click
to find out more about these assumptions (scroll to “Schedule 7A part 2”).
Growth return 4.5% per annum;
Balanced return 3.5% per annum;
Conservative return 2.5% per annum;
JUNO KiwiSaver Scheme fees assume your balance is at year-end and you pay the applicable JUNO fees, each month;
Salary/Self-employed contributions increases 3.5% annually;
3% employer contributions (less applicable Employer superannuation contribution tax);
$521.43 Government contribution
Will your retirement savings be enough?
A number of choices affect the size of your retirement savings. These include:
Your choice of fund.
Your contribution rate.
How long you contribute for.
These are things you can change, so you may wish to consider if your current choices are right for you and your stage of life. For help to work out what is right for you, contact us at
0800 JUNO KS
or seek advice from a financial adviser.