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How Far Could
Your KiwiSaver Take You?

  • Use our quick calculator to find out if your KiwiSaver balance could help you buy your first home.
  • Many Kiwis are surprised to learn they already have enough saved — check in just 60 seconds.
  • Instant results. No commitments. Designed specifically for first-home buyers in New Zealand.
  • We’ll show you if you’re on track — and what else you might need to get there.
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How the Calculator Works

Step-by-Step:
Enter your KiwiSaver balance, contributions, date of birth, and fund type — we’ll calculate your projected balance in 5 years, 10 years, and at retirement, plus your potential home buying power.

Simplicity:
No financial jargon. Takes less than 60 seconds to see your results.

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Why This Matters

Value:
Many first-home buyers don’t realise their KiwiSaver already covers part — or all — of their deposit.

Coaching angle:
We’ll show how small contributions or adjustments can accelerate your path to homeownership.

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Your Instant Results

Speed:
Get your personalised KiwiSaver projection instantly — no waiting, no hassle.

Privacy:
Your information is safe and secure, and the results are just for you. There’s no obligation to speak with a broker.

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What You’ll Learn

  • Projected KiwiSaver balance at 65

  • KiwiSaver balance in 5–10 years

  • Potential buying power for a first home

  • Recommended next steps: contribution tweaks, government schemes, first-home support

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First-Home Buyer Benefits 

  • Learn about KiwiSaver first-home withdrawal rules

  • Explore government support like the First Home Grant or KiwiBuild eligibility

  • Calculator designed specifically for first-home buyers in New Zealand

Luminate Financial Group
Important Information
Useful Links

Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.

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