KiwiSaver first home calculator

How much KiwiSaver can you use for your first home?

Estimate your withdrawable KiwiSaver balance, partner contribution, eligibility warnings, and possible first-home support before you lock in a buying plan.

Information only, confirm with provider and adviserBuilt for NZ first-home buyers

KiwiSaver First Home Withdrawal

Calculate how much you can withdraw for your first home

How it works

After 3 years of KiwiSaver membership, eligible buyers can usually withdraw most of their balance for a first home while leaving at least $1,000. Confirm the exact amount and evidence required with each buyer's KiwiSaver provider before signing an offer.

$45,000
$5k$200k
5 years
1 year20 years

Your Withdrawal Estimate

KiwiSaver Withdrawal

$44,000

Total Available for Your Deposit

$44,000

Planning estimate only. Your provider confirms the eligible amount for each buyer.

Eligibility Checklist

3+ years membership
First home buyer
Will live in the property
Minimum balance remains

Withdrawal Breakdown

Your contributions (estimated)$22,500
Employer contributions (estimated)$13,500
Government contributions (estimated)$4,500
Investment returns (estimated)$4,500
Minimum balance to remain-$1,000
Total Withdrawable$44,000

What to do next

  • Contact your KiwiSaver provider to confirm your exact withdrawable amount
  • Apply for KiwiSaver first home withdrawal approval (valid for 60 days)
  • Get pre-approval from a lender before house hunting

Build your deposit timeline

Combine KiwiSaver with cash savings and see how long your deposit may take.

Check borrowing power

Move from deposit estimate to repayments, servicing, and loan structure.

Save your verification questions

Record a first-party FHBG request, then verify current withdrawal rules with your provider and lawyer.

Save buyer request
Information only — not financial advice. Use these estimates to prepare better questions before speaking with a lender, lawyer, or regulated adviser.