KiwiSaver funds could stretch 30% further under new settings

The government is raising mandatory KiwiSaver contributions to 4% by April 2027 while halving the annual member tax credit. Despite the reduced subsidy, analysis shows members' funds could last 30% longer under these Budget 2025 settings. The gain reflects compounding from higher contributions over working lives, not individual annual payouts. The trade-off's value depends on when members retire and their contribution history.