Tools
KiwiSaver First Home Estimator
What you could actually withdraw, less the $1,000 that must stay.
Free to use, no account needed. All calculators
Your details
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Default employee and employer contributions rose to 3.5% on 1 April 2026.
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Your result
Estimated withdrawable at purchase
After the $1,000 that must remain in your account
$26,779
Projected balance at purchase
$27,779
Contributions over that period
Your contributions plus employer contributions
$5,040
You apply directly to your KiwiSaver provider, not to Kāinga Ora. Funds are paid to your solicitor on or before settlement — allow about 10 working days. You must intend to live in the home.
This is a guide, not advice. Your actual borrowing depends on the lender's assessment of your full situation. Talk to a mortgage adviser before making decisions.