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Deposit & KiwiSaver calculator — how close are you to 20%?

Add up your deposit and see where you sit against the 20% mark. KiwiSaver can be a big part of a first-home deposit — but only if you meet the withdrawal rules below.

Cash savings ($) KiwiSaver balance ($) Gifts / other ($) Target home price ($)

Tick the KiwiSaver first-home withdrawal rules you meet:

Member of KiwiSaver for 3+ years This is my first home (or I qualify as a "previous home owner" via Kāinga Ora) I intend to live in it (not an investment property) The home is in New Zealand

You can withdraw your whole KiwiSaver except the $1,000 minimum and any funds transferred from an Australian super scheme. Your provider (not this tool) confirms eligibility, and applications take ~10–15 working days.

Total deposit available

That's a deposit of

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Not financial advice. Estimates only, for general information. KiwiSaver first-home withdrawal eligibility is confirmed by your scheme provider, not by this tool. Always confirm with a licensed mortgage adviser or lender.

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