Copyright to Astute Business Computing 2025

A free New Zealand Kiwi Saver calculator

Installation:
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There is none!
Just unzip the file and save KiwiCalc.exe to somewhere on your computer, preferably somewhere in the system path such as C:\windows, but its not essential.
(Some users make a folder such as C:\bin for such small utility programs like tax-calc and add it to the path. This keeps them all in one place for easy updates and moving them to share on another computer.) 

Right click the KiwiCalc.exe file and choose "Send To" and then "Desktop (create short-cut)". Drag or copy the short-cut to where ever convenient - launch bar, folder or start menu etc. 

Note:
Its a bad idea to leave files or programs on the desktop. It's not only a messy habit but insecure. If your PC is a member of a domain it causes slow logins as all desktop files are repeatedly copied back and forth to your profile on the server. Only short-cuts should be located on the desktop. 
You don't leave piles of old documents or used boxes and parcel wrappers on your real desk do you?
To check this:
Right click "My Computer", choose Explore, and left click on desktop in the left pane. The right hand pane now shows the desktop contents - click view on the top menu and choose details. There should be only folders and short-cuts in the type column. 

Uninstalling:
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Use the Delete key Luke!
Delete these instructions, any created short-cuts, KiwiCalc.exe, and the original downloaded file.

N.B The program itself makes no changes to your machine or it's registry, nor incorporates any spy-ware, usage reporting, or advertising other than the about screen.

Usage:
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Run it!
Press help button!
Essentially it calculates the return over any number of years based on the displayed settings.
Re-invest mode allows the calculation to be repeated starting with the results of the last
calculation. Set the term to say 10 years and adjust things - salary etc after each calculation.
Note that no KiwiSaver rules are enforced, such as only allowing the specified employee and employer contribution rates, nor is the timing of transfers of contributions and the government subsidy to the fund providers, taken into account.

Liability:
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This calculator is intended merely as a tool to demonstrate the differences between various investment strategies. The end user agrees to accept all liability for any investment choices made due to the use of this calculator. While the calculations are believed to be accurate, many other factors, such as;  fund profile, your risk tolerance, market performance, can greatly affect actual returns.

