Mortgage VS Kiwisaver
This tool is designed to show you when your Mortgage and Kiwisaver balances will switch from having more in Kiwisaver, compared to your debt.
Start here
Mortgage
KiwiSaver
Person 1
Person 2
Projected result
Calculating…
Mortgage balance shown in red from age 65 onward — it isn't projected to be paid off by then.
| Year | Mortgage balance | KiwiSaver balance | Difference |
|---|
The mortgage is amortised monthly at a fixed rate over the remaining term. KiwiSaver contributions (yours, your employer's, and the government's if eligible) are added monthly and grown at your expected annual return, compounded monthly.
Assumptions. Rates, salary and contribution rates are held constant for the full projection — real mortgage rates reprice at each fixing, and salaries and KiwiSaver settings change over a working life. The government contribution assumes you're 18–65, a NZ resident, and contribute at least $1,042.86/yr; it's modelled as a smooth monthly amount rather than its actual annual payment. Your age is only used to mark 65 on the chart — it doesn't change the projection itself. This is a planning estimate, not financial advice.
Fund type returns. The five fund-type figures are 10-year annualised peer-group averages from the Morningstar KiwiSaver Survey, December 2025, mapped onto the industry's usual five risk bands (Defensive → Morningstar Conservative 4.2%, Conservative → Morningstar Moderate 5.0%, Balanced 6.9%, Growth 8.2%, High Growth → Morningstar Aggressive 9.5%), since Morningstar's own category names sit one band lower than the common naming. These are after fees but before tax — your actual after-tax return will typically be a little lower depending on your PIR. Past performance is not a guide to future performance.
Kiwisaver Health Check
Whether retirement is years away or you’re planning your first home, we can help you understand your options and make informed decisions.
Mortgage Check-in
We’ll look beyond just the interest rate and review how your mortgage is structured, how you’re repaying it, and whether there are opportunities to get ahead sooner
Find out how to improve your results
When we think of the cross over between our assets being greater than our liabilities, the key is to see the time that we gain. If we reduce our debt faster, we are buying ourselves time we can have in retiring earlier. Likewise when review our assets like Kiwisaver and make sure it aligns with our personal situation and goals, we can add years of additional funds to use when we retire.
Combining a review of both, your debt and your Kiwisaver is a powerful approach, give you years and additional funds from both ends will snow ball your retirement when done right.