Kiwi Calculator.

My details: Only Input in the Blue Shaded Area:

Personal:
Age Now
Current income.
Anticipated growth in income
over remaining work Life.

60 If over age 60 enter 60

$ 26,000 dollars
0% PA over entire life.

Employee, or self employed

master

If employee, Bargaining power.

Mortgage diversion?
First Home buyer?
Contribution Holiday?
At what Age
How long?

strong
no
no
no

Economic:
Contribution rate
Earnings rate on fund
Marginal tax rate on your pay
Corporate tax rate
Mortgage rates

worker/ master
weak/Strong
yes/no
yes/no
yes/no
65 Age in years, if no holiday enter 65
10 Number of years

4%
4%
20%
30%
8.900%

Please read the Word document Accompanying this report

Authored By:
Gilligan Sheppard
Chartered Accountants
09 3095191

Results
Total personal Cash Invested
Total return at age 65

Net Present value

At opportunity cost

$5,200
$18,792

$191

being first mortgage rate

If Positive Kiwi saver produces
a greater return after tax
than mortgage borrowing rate

8.900%

If negative paying off mortgage

is better
Internal rate of return

mpanying this report

34.8810%

Kiwi Saver Work Sheet

General Data
Age
18 $
19 $
20 $
21 $
22 $
23 $
24 $
25 $
26 $
27 $
28 $
29 $
30 $
31 $
32 $
33 $
34 $
35 $
36 $
37 $
38 $
39 $
40 $
41 $
42 $
43 $
44 $
45 $
46 $
47 $
48 $
49 $
50 $
51 $
52 $
53 $
54 $
55 $
56 $
57 $
58 $
59 $
60 $
61 $
62 $
63 $

26,000
-

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$
$
$
$
$
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$
$
$
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$
$
$
$
$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

26,000
26,000
26,000

Income
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$
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$
$
$
$
$
$
$
$
$
$ 26,000
$ 26,000
$ 26,000
$ 26,000

Employee
Contribution
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$
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$
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$
$
$
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$
$
$
$
$
$
$
$
$
$
$
$
1,040
$
1,040
$
1,040
$
1,040

Tax credit Employer

Contribution
$
- $
$
- $
$
- $
$
- $
$
- $
$
- $
$
- $
$
- $
$
- $
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- $
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- $
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- $
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- $
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- $
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- $
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- $
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- $
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- $
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- $
$
- $
$
- $
$
- $
$
- $
$ 1,040 $ 1,040
$ 1,040 $ 1,040
$ 1,040 $ 1,040
$ 1,040 $ 1,040

Mortgage
Diversion
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
520
$
520
$
520
$
520

64 $
65 $

$
$

26,000
26,000

$
$

26,000
26,000

$
$

1,040
1,040

$ 1,040
$ 1,040

$
$

1,040
1,040

$
$

520
520

My Kiwi saver account

My Funds
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

Employers
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

Tax Credit
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

Kick Start
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,000
$0
$0
$0

First Home
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

Return
Diversion
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$165
$296
$433

Balance
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$4,120
$7,405
$10,821
$14,374

$1,040
$0

$1,040
$0

$1,040
$0

$0
$0

$0
$0

$0
$0

$575
$723

$18,069
$18,792
redemption

My cash Cost Employee

Ded from
Salary
Net pay
Sacrafice
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

employer
cost

total Personal Cash Back

Money out

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
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$
$
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$
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$
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$
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$
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$
$
$
$
$
$
$
$
$
$
$
$
$
$

Economic
Cash flow

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,040
$1,040
$1,040
$1,040

$1,040
$0

$0
$0

$0
$0

$1,040 $
$0 $

$5,200

$0

$0

$5,200

$0

$1,040
$0
-$18,792
-$13,592

NPV cal

employer tax First home buyer calulator

Credit

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$29
$27
$24
$22

1.00000
0.91827
0.84323
0.77431
0.71103
0.65292
0.59956
0.55056
0.50556
0.46425
0.42631
0.39147
0.35947
0.33009
0.30312
0.27834
0.25560
0.23471
0.21553
0.19791
0.18174
0.16688
0.15325
0.14072
0.12922
0.11866
0.10896
0.10006
0.09188
0.08437
0.07748
0.07114
0.06533
0.05999
0.05509
0.05059
0.04645
0.04265
0.03917
0.03597
0.03303
0.03033
0.02785
0.02557
0.02348
0.02156

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,040
1,040
1,040
1,040

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
1
1
1

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
2
3
4

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

34.88101%

$21
$0
-$314
$191

0.01980
0.01818
0.01670

$
$

1,040
-

1
0

5 $ 5,200
5 $ 5,200

Cash Out

Diversion Calulator

Holoday Calculator
first Year of Holiday

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$
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$

6
6
6
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6
6
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6
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6
6
6
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6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
520
520
520

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
520
520
520

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$
$

6
6

520
0

0
0

520
0

0
0

0
1

0
1

0
1

65
65
65
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65
65
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65
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65
65
65
65
65

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

65
1

0
1040