The regular contributions that you make throughout your life are an investment in your future and can have a huge impact on whether you have enough money to meet your retirement goals.

Want to figure out how much you want to contribute? Here are four things you can do:

1. Use the Sorted KiwiSaver Calculator to see how increasing your contribution, for example, to 10% of your wage or salary, can make a big difference to your wealth by the time you retire.
2. Review your income and expenses, as well as your future wealth and retirement goals. Calculate whether you can contribute more than the 3% minimum.
3. Consider making a one-off lump sum contribution if you receive a bonus or inheritance.
4. Talk to one of our expert advisers.