Calculator

Deposit savings timeline — when will you be ready?

Not ready yet? See when you'll hit your deposit target at your current savings rate — the most useful number when you're still saving.

Target home price ($) Saved so far ($) cash + usable KiwiSaver Your own saving per month ($) cash only — don't include KiwiSaver here Deposit target (%) Growth on cash savings (% p.a.) optional

Add your KiwiSaver contributions automatically (optional — leave your salary at $0 to skip)

Your salary ($/yr, before tax) Your contribution rate (%) default rate is 3.5% from Apr 2026 Employer matches (%) usually matches yours

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Deposit target

You'd get there around

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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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