Notes and assumptions:

• Investment returns used up to retirement are those designated by law and are not actual Christian KiwiSaver Scheme returns.
• Investment returns of 4% (after any tax and fees) have been used during the retirement years.
• The default employer and employee contributions changed on 1 April 2026. Learn more about those changes here.
• Employer contributions are after ESCT (Employer Superannuation Contribution Tax) at 17.5%.
• Government contributions are assumed at the full rate of $260.72 per year (from age 16).
• No salary growth or changes in contributions have been allowed for.
• This assumes life expectancy is to 95 years.
• The investment balance will be fully depleted by age 95.
• These figures only relate to KiwiSaver and do not consider any other retirement savings or income you may have or be entitled to.
• These figures are estimates only. They are calculated based on a current balance, contribution rate, and fund type, and an assumed rate of investment returns.