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Savings Calculator

Let's start with a plan

$1 minimum
$1 minimum
1 minimum

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

info
×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

$1 minimum
$1 minimum
1 minimum

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

info
×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

This field is required.
info

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

Min. 1 and max 40
This field is required.
info

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

Min. 1 and max 40
Please enter a valid email address.

By completing your email address you acknowledge our privacy policy and agree to us contacting you about AMP products and services.
This calculator uses assumptions based on the information you provide. It does not constitute advice. Information about the methodology and how the calculator works can be found by clicking the appropriate heading below. The results are not guaranteed to any person and before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.

The results obtained through the calculator are estimates only and are not guaranteed.

This calculator is intended as information only and does not constitute financial or investment advice. While care has been taken to ensure the information supplied is accurate no person accepts any liability for any loss or damage arising out of the use of this calculator. Results do not reflect actual returns and are not predictions of future returns (which are subject to investment and other risks, including loss of income and principal invested). Returns are not guaranteed by any person and fees are subject to change.

Investing is subject to risk, which includes the potential for you to lose income and any amounts invested. When using this calculator, you should have regard to your particular objectives, needs and financial situation. This calculator and the results it produces is intended to be of a general nature only and is not intended to be personalised advice. We recommend that you seek appropriate professional or financial advice before making any investment decision. A disclosure statement is available from your adviser, on request and free of charge.

The "Savings calculator" can show you:

1. The estimated savings (after fees and taxes) you may have using your inputs and the 'Key Assumptions' listed below;

2. An estimate of the amount you may need to save at regular intervals to reach a desired level of savings at a future date.

It has been designed for New Zealand conditions only.

If you choose to adjust for future price inflation, the results will be shown in "real" terms, meaning they reflect today's purchasing power. If not, the results will be shown in "nominal" terms, which don't account for inflation.

Key assumptions

Investment returns:

  • The results are for illustration only and are based on assumptions and estimates. The results are therefore unlikely to reflect your actual balance. For example, actual investment returns are likely to move up and down and returns may be negative over some time periods.
  • The calculator assumes the investment returns remain at a steady rate and that all current and future savings earn the same investment return
  • Investment returns (including those entered by the user) are after all costs and tax (assuming a 28% Prescribed Investor Rate in all cases).
  • The investment returns for each fund type are:

    Investment Type

        % per annum  

    Minimum suggested
    investment period

     

     

     

    Conservative

      2.50%

    2 years

    Balanced

      3.40%

    4 years

    Growth

      6.10%

    7 years

    Aggressive

      6.30%

    10 years



  • The investment returns for the Balanced, Growth and Aggressive funds were calculated:
    - Using AMP’s rolling monthly returns  of the underlying wholesale funds, annualised using a geometric mean over each fund’s minimum suggested investment timeframe; and
    - Are updated quarterly. The current investment returns shown, calculated using the above calculation methodology, are as at 31 March 2025.
  • The investment return for the Conservative fund is that prescribed by Schedule 7A of the Financial Markets Conduct Regulations.

Actual returns will likely be different to these assumed returns. Please note that funds with a higher exposure to growth assets are expected to have higher average returns over the long term. However, they are also likely to have returns that fluctuate year to year by a greater amount. The fluctuations in returns are not taken into account in this calculator.

Contribution:

  • Contributions are made in the middle of each period.

Inflation:

  • Inflation is assumed to remain at a steady rate.
  • Inflation is assumed to be 2.0% per annum (consistent with Schedule 7A of the Financial Markets Conduct Regulations 2014).

Financial framework:

  • Users are able to withdraw their investments at the end of the savings period.
  • No transaction fees or costs apply.
  • PIE and tax rules and rates do not change.
Savings Calculator


total saved

estimated interest

$1 minimum
$1 minimum
$0 minimum
$1 minimum
×

To minimise risk, plan to invest for at least [conservativeTimeframe] years in a Conservative Fund, [balancedTimeframe] in a Balanced Fund, [growthTimeframe] in a Growth Fund, and [aggressiveTimeframe] in an Aggressive Fund; shorter timeframes, particularly for higher-risk funds, increase the chance of losses due to short-term volatility.

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

info
×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

Min. 1 and max 40

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

info
×

As a guide, if investing in a Conservative Fund ([conservativeRate]%), Balanced Fund ([balancedRate]%), Growth ([growthRate]%), Aggressive Fund ([aggressiveRate]%). For investment funds we recommend the min. investment timeframes: Conservative 2yrs, Balanced 4 yrs, Growth 7 yrs, and Aggressive 10yrs. Or check out current term deposit rates.

Over time money has less buying power because of inflation.  If you select "Allow for inflation" this will reflect the real value of money over time.

info
×

Over time money has less buying power because of inflation.  If you select "Allow for inflation" this will reflect the real value of money over time.

Please enter a valid email address.
This field is required.

By completing your email address you acknowledge our privacy policy and agree to us contacting you about AMP products and services.
This calculator uses assumptions based on the information you provide. It does not constitute advice. Information about the methodology and how the calculator works can be found by clicking the appropriate heading below. The results are not guaranteed to any person and before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.

The results obtained through the calculator are estimates only and are not guaranteed.

This calculator is intended as information only and does not constitute financial or investment advice. While care has been taken to ensure the information supplied is accurate no person accepts any liability for any loss or damage arising out of the use of this calculator. Results do not reflect actual returns and are not predictions of future returns (which are subject to investment and other risks, including loss of income and principal invested). Returns are not guaranteed by any person and fees are subject to change.

Investing is subject to risk, which includes the potential for you to lose income and any amounts invested. When using this calculator, you should have regard to your particular objectives, needs and financial situation. This calculator and the results it produces is intended to be of a general nature only and is not intended to be personalised advice. We recommend that you seek appropriate professional or financial advice before making any investment decision. A disclosure statement is available from your adviser, on request and free of charge.

The "Savings calculator" can show you:

1. The estimated savings (after fees and taxes) you may have using your inputs and the 'Key Assumptions' listed below;

2. An estimate of the amount you may need to save at regular intervals to reach a desired level of savings at a future date.

It has been designed for New Zealand conditions only.

If you choose to adjust for future price inflation, the results will be shown in "real" terms, meaning they reflect today's purchasing power. If not, the results will be shown in "nominal" terms, which don't account for inflation.

Key assumptions

Investment returns:

  • The results are for illustration only and are based on assumptions and estimates. The results are therefore unlikely to reflect your actual balance. For example, actual investment returns are likely to move up and down and returns may be negative over some time periods.
  • The calculator assumes the investment returns remain at a steady rate and that all current and future savings earn the same investment return
  • Investment returns (including those entered by the user) are after all costs and tax (assuming a 28% Prescribed Investor Rate in all cases).
  • The investment returns for each fund type are:

    Investment Type

        % per annum  

    Minimum suggested
    investment period

     

     

     

    Conservative

      2.50%

    2 years

    Balanced

      3.40%

    4 years

    Growth

      6.10%

    7 years

    Aggressive

      6.30%

    10 years



  • The investment returns for the Balanced, Growth and Aggressive funds were calculated:
    - Using AMP’s rolling monthly returns  of the underlying wholesale funds, annualised using a geometric mean over each fund’s minimum suggested investment timeframe; and
    - Are updated quarterly. The current investment returns shown, calculated using the above calculation methodology, are as at 31 March 2025.
  • The investment return for the Conservative fund is that prescribed by Schedule 7A of the Financial Markets Conduct Regulations.

Actual returns will likely be different to these assumed returns. Please note that funds with a higher exposure to growth assets are expected to have higher average returns over the long term. However, they are also likely to have returns that fluctuate year to year by a greater amount. The fluctuations in returns are not taken into account in this calculator.

Contribution:

  • Contributions are made in the middle of each period.

Inflation:

  • Inflation is assumed to remain at a steady rate.
  • Inflation is assumed to be 2.0% per annum (consistent with Schedule 7A of the Financial Markets Conduct Regulations 2014).

Financial framework:

  • Users are able to withdraw their investments at the end of the savings period.
  • No transaction fees or costs apply.
  • PIE and tax rules and rates do not change.

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AMP Wealth Management New Zealand Limited (AMP) is the issuer and manager of the AMP KiwiSaver Scheme, AMP Managed Funds, AMP Investment Trust, and New Zealand Retirement Trust. AMP provides access to Term Deposits provided by Heartland Bank (Term Deposits). Each scheme’s product disclosure statement and the Term Deposits terms and conditions can be found here.
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