How long will you non-KiwiSaver Fund least
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ABCDEFGHIJKLMNOPQRSTUVWXYZ
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Put your own figure in white cell
Contact: thesmartandlazy@gmail.com
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3
Retire early Target amount
$100,000.00
<-doesn't really matter
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Withdraw Rate4%
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Expected Investment Return
6%
<-doesn't really matter
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Non-KiwiSaver Investment
70%
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Kiwi-Saver30%
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Non-KiwiSaver run out (years)29
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Year before 65
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YearKiwiSaver
Non-KiwiSaver
Withdraw
KiwiSaver ROI
Non-KiwiSaver ROI
New KS Balance
New Non-KS Balance
End of Year Balance
12
1$30,000.00$70,000.00$4,000.00$1,800.00$3,960.00$31,800.00$69,960.00$101,760.00
13
2$31,800.00$69,960.00$4,070.40$1,908.00$3,953.38$33,708.00$69,842.98$103,550.98
14
3$33,708.00$69,842.98$4,142.04$2,022.48$3,942.06$35,730.48$69,642.99$105,373.47
15
4$35,730.48$69,642.99$4,214.94$2,143.83$3,925.68$37,874.31$69,353.74$107,228.05
16
5$37,874.31$69,353.74$4,289.12$2,272.46$3,903.88$40,146.77$68,968.49$109,115.26
17
6$40,146.77$68,968.49$4,364.61$2,408.81$3,876.23$42,555.57$68,480.12$111,035.69
18
7$42,555.57$68,480.12$4,441.43$2,553.33$3,842.32$45,108.91$67,881.01$112,989.92
19
8$45,108.91$67,881.01$4,519.60$2,706.53$3,801.68$47,815.44$67,163.10$114,978.54
20
9$47,815.44$67,163.10$4,599.14$2,868.93$3,753.84$50,684.37$66,317.79$117,002.16
21
10$50,684.37$66,317.79$4,680.09$3,041.06$3,698.26$53,725.43$65,335.97$119,061.40
22
11$53,725.43$65,335.97$4,762.46$3,223.53$3,634.41$56,948.96$64,207.92$121,156.88
23
12$56,948.96$64,207.92$4,846.28$3,416.94$3,561.70$60,365.89$62,923.35$123,289.24
24
13$60,365.89$62,923.35$4,931.57$3,621.95$3,479.51$63,987.85$61,471.28$125,459.13
25
14$63,987.85$61,471.28$5,018.37$3,839.27$3,387.18$67,827.12$59,840.09$127,667.21
26
15$67,827.12$59,840.09$5,106.69$4,069.63$3,284.00$71,896.75$58,017.41$129,914.16
27
16$71,896.75$58,017.41$5,196.57$4,313.80$3,169.25$76,210.55$55,990.09$132,200.64
28
17$76,210.55$55,990.09$5,288.03$4,572.63$3,042.12$80,783.18$53,744.19$134,527.38
29
18$80,783.18$53,744.19$5,381.10$4,846.99$2,901.79$85,630.17$51,264.88$136,895.06
30
19$85,630.17$51,264.88$5,475.80$5,137.81$2,747.34$90,767.99$48,536.43$139,304.41
31
20$90,767.99$48,536.43$5,572.18$5,446.08$2,577.85$96,214.06$45,542.10$141,756.17
32
21$96,214.06$45,542.10$5,670.25$5,772.84$2,392.31$101,986.91$42,264.17$144,251.08
33
22$101,986.91$42,264.17$5,770.04$6,119.21$2,189.65$108,106.12$38,683.77$146,789.90
34
23$108,106.12$38,683.77$5,871.60$6,486.37$1,968.73$114,592.49$34,780.91$149,373.40
35
24$114,592.49$34,780.91$5,974.94$6,875.55$1,728.36$121,468.04$30,534.33$152,002.37
36
25$121,468.04$30,534.33$6,080.09$7,288.08$1,467.25$128,756.12$25,921.49$154,677.61
37
26$128,756.12$25,921.49$6,187.10$7,725.37$1,184.06$136,481.49$20,918.45$157,399.94
38
27$136,481.49$20,918.45$6,296.00$8,188.89$877.35$144,670.38$15,499.80$160,170.18
39
28$144,670.38$15,499.80$6,406.81$8,680.22$545.58$153,350.60$9,638.57$162,989.17
40
29$153,350.60$9,638.57$6,519.57$9,201.04$187.14$162,551.64$3,306.14$165,857.78
41
30$162,551.64$3,306.14$6,634.31$9,753.10-$199.69$172,304.74-$3,527.86$168,776.88
42
31$172,304.74-$3,527.86$6,751.08$10,338.28-$616.74$182,643.02-$10,895.67$171,747.35
43
32$182,643.02-$10,895.67$6,869.89$10,958.58-$1,065.93$193,601.60-$18,831.50$174,770.10
44
33$193,601.60-$18,831.50$6,990.80$11,616.10-$1,549.34$205,217.70-$27,371.64$177,846.06
45
34$205,217.70-$27,371.64$7,113.84$12,313.06-$2,069.13$217,530.76-$36,554.61$180,976.15
46
35$217,530.76-$36,554.61$7,239.05$13,051.85-$2,627.62$230,582.60-$46,421.27$184,161.33
47
36$230,582.60-$46,421.27$7,366.45$13,834.96-$3,227.26$244,417.56-$57,014.99$187,402.57
48
37$244,417.56-$57,014.99$7,496.10$14,665.05-$3,870.67$259,082.61-$68,381.76$190,700.85
49
38$259,082.61-$68,381.76$7,628.03$15,544.96-$4,560.59$274,627.57-$80,570.38$194,057.19
50
39$274,627.57-$80,570.38$7,762.29$16,477.65-$5,299.96$291,105.22-$93,632.63$197,472.60
51
40$291,105.22-$93,632.63$7,898.90$17,466.31-$6,091.89$308,571.54-$107,623.43$200,948.11
52
41$308,571.54-$107,623.43$8,037.92$18,514.29-$6,939.68$327,085.83-$122,601.03$204,484.80
53
42$327,085.83-$122,601.03$8,179.39$19,625.15-$7,846.83$346,710.98-$138,627.25$208,083.73
54
43$346,710.98-$138,627.25$8,323.35$20,802.66-$8,817.04$367,513.64-$155,767.63$211,746.01
55
44$367,513.64-$155,767.63$8,469.84$22,050.82-$9,854.25$389,564.46-$174,091.72$215,472.74
56
45$389,564.46-$174,091.72$8,618.91$23,373.87-$10,962.64$412,938.32-$193,673.27$219,265.06
57
46$412,938.32-$193,673.27$8,770.60$24,776.30-$12,146.63$437,714.62-$214,590.50$223,124.12
58
47$437,714.62-$214,590.50$8,924.96$26,262.88-$13,410.93$463,977.50-$236,926.40$227,051.11
59
48$463,977.50-$236,926.40$9,082.04$27,838.65-$14,760.51$491,816.15-$260,768.95$231,047.20
60
49$491,816.15-$260,768.95$9,241.89$29,508.97-$16,200.65$521,325.12-$286,211.49$235,113.64
61
50$521,325.12-$286,211.49$9,404.55$31,279.51-$17,736.96$552,604.63-$313,352.99$239,251.64
62
51$552,604.63-$313,352.99$9,570.07$33,156.28-$19,375.38$585,760.91-$342,298.44$243,462.46
63
52$585,760.91-$342,298.44$9,738.50$35,145.65-$21,122.22$620,906.56-$373,159.16$247,747.40
64
53$620,906.56-$373,159.16$9,909.90$37,254.39-$22,984.14$658,160.95-$406,053.20$252,107.76
65
54$658,160.95-$406,053.20$10,084.31$39,489.66-$24,968.25$697,650.61-$441,105.76$256,544.85
66
55$697,650.61-$441,105.76$10,261.79$41,859.04-$27,082.05$739,509.65-$478,449.60$261,060.04
67
56$739,509.65-$478,449.60$10,442.40$44,370.58-$29,333.52$783,880.23-$518,225.53$265,654.70
68
57$783,880.23-$518,225.53$10,626.19$47,032.81-$31,731.10$830,913.04-$560,582.82$270,330.22
69
58$830,913.04-$560,582.82$10,813.21$49,854.78-$34,283.76$880,767.82-$605,679.79$275,088.04
70
59$880,767.82-$605,679.79$11,003.52$52,846.07-$37,001.00$933,613.89-$653,684.31$279,929.58
71
60$933,613.89-$653,684.31$11,197.18$56,016.83-$39,892.89$989,630.73-$704,774.38$284,856.35
72
61$989,630.73-$704,774.38$11,394.25$59,377.84-$42,970.12$1,049,008.57-$759,138.75$289,869.82
73
62$1,049,008.57-$759,138.75$11,594.79$62,940.51-$46,244.01$1,111,949.08-$816,977.56$294,971.53
74
63$1,111,949.08-$816,977.56$11,798.86$66,716.94-$49,726.59$1,178,666.03-$878,503.00$300,163.02
75
64$1,178,666.03-$878,503.00$12,006.52$70,719.96-$53,430.57$1,249,385.99-$943,940.10$305,445.89
76
65$1,249,385.99-$943,940.10$12,217.84$74,963.16-$57,369.48$1,324,349.15-$1,013,527.41$310,821.74
77
66$1,324,349.15-$1,013,527.41$12,432.87$79,460.95-$61,557.62$1,403,810.10-$1,087,517.89$316,292.20
78
67$1,403,810.10-$1,087,517.89$12,651.69$84,228.61-$66,010.17$1,488,038.70-$1,166,179.76$321,858.95
79
68$1,488,038.70-$1,166,179.76$12,874.36$89,282.32-$70,743.25$1,577,321.03-$1,249,797.36$327,523.66
80
69$1,577,321.03-$1,249,797.36$13,100.95$94,639.26-$75,773.90$1,671,960.29-$1,338,672.21$333,288.08
81
70$1,671,960.29-$1,338,672.21$13,331.52$100,317.62-$81,120.22$1,772,277.91-$1,433,123.95$339,153.95
82
71$1,772,277.91-$1,433,123.95$13,566.16$106,336.67-$86,801.41$1,878,614.58-$1,533,491.52$345,123.06
83
72$1,878,614.58-$1,533,491.52$13,804.92$112,716.87-$92,837.79$1,991,331.45-$1,640,134.23$351,197.23
84
73$1,991,331.45-$1,640,134.23$14,047.89$119,479.89-$99,250.93$2,110,811.34-$1,753,433.04$357,378.30
85
74$2,110,811.34-$1,753,433.04$14,295.13$126,648.68-$106,063.69$2,237,460.02-$1,873,791.87$363,668.16
86
75$2,237,460.02-$1,873,791.87$14,546.73$134,247.60-$113,300.32$2,371,707.62-$2,001,638.91$370,068.72
87
76$2,371,707.62-$2,001,638.91$14,802.75$142,302.46-$120,986.50$2,514,010.08-$2,137,428.16$376,581.93
88
77$2,514,010.08-$2,137,428.16$15,063.28$150,840.60-$129,149.49$2,664,850.69-$2,281,640.92$383,209.77
89
78$2,664,850.69-$2,281,640.92$15,328.39$159,891.04-$137,818.16$2,824,741.73-$2,434,787.47$389,954.26
90
79$2,824,741.73-$2,434,787.47$15,598.17$169,484.50-$147,023.14$2,994,226.23-$2,597,408.78$396,817.45
91
80$2,994,226.23-$2,597,408.78$15,872.70$179,653.57-$156,796.89$3,173,879.80-$2,770,078.36$403,801.44
92
81$3,173,879.80-$2,770,078.36$16,152.06$190,432.79-$167,173.83$3,364,312.59-$2,953,404.25$410,908.35
93
82$3,364,312.59-$2,953,404.25$16,436.33$201,858.76-$178,190.43$3,566,171.35-$3,148,031.02$418,140.33
94
83$3,566,171.35-$3,148,031.02$16,725.61$213,970.28-$189,885.40$3,780,141.63-$3,354,642.03$425,499.60
95
84$3,780,141.63-$3,354,642.03$17,019.98$226,808.50-$202,299.72$4,006,950.13-$3,573,961.73$432,988.40
96
85$4,006,950.13-$3,573,961.73$17,319.54$240,417.01-$215,476.88$4,247,367.13-$3,806,758.14$440,608.99
97
86$4,247,367.13-$3,806,758.14$17,624.36$254,842.03-$229,462.95$4,502,209.16-$4,053,845.45$448,363.71
98
87$4,502,209.16-$4,053,845.45$17,934.55$270,132.55-$244,306.80$4,772,341.71-$4,316,086.80$456,254.91
99
88$4,772,341.71-$4,316,086.80$18,250.20$286,340.50-$260,060.22$5,058,682.22-$4,594,397.22$464,285.00
100
89$5,058,682.22-$4,594,397.22$18,571.40$303,520.93-$276,778.12$5,362,203.15-$4,889,746.73$472,456.41
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