Mary Holm webinar
Answering your questions about saving for and managing your money in retirement
Watch nowNew lower carbon investment option
We're planning to introduce a new growth option 80% invested in Russell Investments' ex Fossil Fuels Fund
Register your interestSeptember quarter delivers strong returns
Investment commentary from Russell Investments, our investment consultant and manager
Personal retirement planner
See if you're on track with our personalised planner
Sign in to your accountUniSaver New Zealand
UniSaver offers a higher employer subsidy than KiwiSaver and you can still get government contributions. We’re not for profit, so our fees are lower than most KiwiSaver schemes. Plus, you can access your savings towards a deposit for a first home.
Welcome to the UniSaver versus KiwiSaver calculator
Fill in the details below to compare annual savings in UniSaver against KiwiSaver.
Enter your salary
Other taxable income
Direct all contributions to locked section
Yes
No
Your employer superannuation contribution tax rate is 0 %
UNISAVER
KIWISAVER
Employee KiwiSaver
Employer KiwiSaver
Choose a % of your salary
Employee KiwiSaver
Employer KiwiSaver
+ $ government contributions
UniSaver
Total savings per year (net)KiwiSaver
Total savings per year (net)The calculator is a tool to calculate your contribution and your employer's contribution to your chosen superannuation scheme. While the tool provides flexibility for you to consider your options, some constraints imposed by the schemes should be factored in:
- KiwiSaver employer contributions are fixed at 3%.
- UniSaver employer contributions range between 4.05% and 6.75% depending on your contribution.
- KiwiSaver employee contribution options are limited to 3%, 4%, 6%, 8% or 10%. UniSaver has more flexible contribution options.
- Your minimum contribution to UniSaver may increase to 4% of your salary if your employer is not contributing at least 1% of your salary. This could occur if your employer is already contributing to a KiwiSaver scheme on your behalf.
- To join the locked section, you must be aged 18 years or over and either a New Zealand citizen or entitled to live in New Zealand indefinitely. This is in order to meet the government’s eligibility criteria for government contributions.
- The calculator assumes you are eligible to join as a category A member. You can read more about membership categories here.
- For simplicity, the calculator rounds the percentage your employer contributes to UniSaver to 2 decimal places. The actual percentage may be 0.005% lower.
- The calculator is provided for information purposes only. If there is any ambiguity or discrepancy between this calculator and UniSaver’s trust deed, the trust deed will be the final authority.