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My Current Trajectory

Circulus provides calculation and education tools only - not financial advice. Figures are estimates based on assumptions and published benchmark data, not a prediction of your future. Speak with a licensed financial adviser about your own situation.

My Current Trajectory

See what your current KiwiSaver and savings path actually produces in retirement - in today's purchasing power - against published New Zealand benchmarks.

Your numbers
%
Your rate combined with your employer's (minimum 3.5% each from 1 April 2026, rising to 4% each from 1 April 2028) into one percentage of income
%
FMA prescribed rate for a Growth fund: 4.5%
%
Reserve Bank of New Zealand target midpoint
Where your current path leads
Projected nest egg
$489,050
At retirement, future dollars
Weekly income it buys
$213/wk
Today's purchasing power
Years to retirement
23
At the age you set above
Against the published benchmarks

No Frills and Choices are Massey University's published weekly expenditure benchmarks for a couple in a metro area. Adjust below if either doesn't fit you:

NZ Super
$555/wk
No Frills
$564/wk
Choices
$1,079/wk
90% income target
$1,620/wk
Your trajectory
$213/wk
No Frills and Choices figures: Massey University Retirement Expenditure Guidelines (couple, metro base figures; single and rural figures are illustrative scaling, not yet confirmed against Massey's own sub-tables). Income target: New Zealand Society of Actuaries, 2025 - 80-100% of current income to maintain your lifestyle, shown here at 90%, the central estimate. NZ Super: Sorted / Te Ara Ahunga Ora, published rates effective 1 April 2026.

Your current path looks to fall short of a 90% income target by about $1,407/wk. Want to work out exactly what nest egg would close that gap?

Try My Nest Egg Calculator →