KiwiSaver & Parental Leave Calculator

Estimate the long-term impact on a KiwiSaver balance of contributing while on Paid Parental Leave (PPL) and topping up to receive the full annual Government contribution, compared with not contributing during leave. Works for one child or several.

Current age

Retirement age

Current KiwiSaver balance ($)

Annual salary, gross ($)

Assumed annual salary growth, above inflation (%)

Your KiwiSaver contribution rate

Assumed annual investment return, after inflation (real)

This return is applied after inflation, so results are shown in today's dollars (what the balance would buy at today's prices) rather than inflated future dollars.

Advanced settings & current Government rates

Employer contribution rate (%)

IRD match while on PPL (%)

Govt contribution rate (cents per $1)

Max annual Govt contribution ($)

Member contributions needed for max Govt contribution ($/yr)

Max weekly PPL payment, gross ($)

Defaults shown reflect published settings as at April 2026 (25c per $1 Government contribution, capped at $260.72 p.a., requiring $1,042.86 of member contributions; 3.5% minimum employer/IRD matching rate; $811.05/week maximum PPL payment from 1 July 2026). These settings change from time to time — confirm current figures with IRD before relying on results, and update the defaults here if they change.

Children / periods of parental leave

No contribution during leave

Contribute + top up during leave

Extra at retirement

No contribution during leave Contribute + top up during leave

Show year-by-year detail

Age	Weeks on leave	Balance – no contribution	Balance – contribute + top up	Extra top-up paid in

This calculator is general in nature and for illustrative and educational purposes only. It does not take into account your individual financial situation, needs, or objectives, and is not personalised financial advice. Results are estimates based on the assumptions entered (including investment returns, which are not guaranteed and will vary) and on Government/IRD settings current as at April 2026, which may change. Actual outcomes will differ. Please speak with an Athena Wealth financial adviser before making decisions about your KiwiSaver contributions.

Athena Wealth Planning Limited

Hours:

Locations:

Our Partners