Let's start with a plan

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.