Kivvo Payouts Calculator

• This calculator is an estimate, not a guarantee. It shows what a payout could look like if you meet all eligibility requirements for a full period.
• Kivvo Payouts is currently limited to Kivvo+ members who also meet a minimum contribution threshold and maintain a 6.5-week streak.
• The calculator uses the current fee structure and cashback rate, which may change.
• Real payouts depend on real contributions. If a contribution fails, is reversed, or your streak breaks, the actual payout will be less than the estimate — or zero.
• The calculator doesn't factor in tax. Cashback may be taxable income. See our Tax Information.

The calculator takes a few inputs about your situation and estimates what a payout could look like at the end of a payout period.

• Your contribution schedule — weekly, bi-weekly, or monthly
• Your contribution amount — subject to the minimums for your chosen schedule
• Your plan — Kivvo+ (the plan that unlocks payouts) or free
• Your assumed consistency — how many of your scheduled contributions you expect to make on time

• The contribution fee structure — flat fee, percentage fee, and cap
• The current cashback rate for Kivvo+
• The payout period length — 6.5 weeks for Kivvo+ members

The result is an estimate of the cashback amount that would be credited at the end of a payout period, if everything goes according to plan.

• You have an active Kivvo+ subscription for the entire payout period.
• You meet the minimum contribution threshold for your chosen schedule throughout the period.
• Every scheduled contribution is made on time.
• Every contribution is successfully processed — not failed, reversed, or cancelled.
• Your streak is maintained for the entire 6.5-week payout period.
• The current fee structure and cashback rate apply throughout the period — they don't change mid-period.

If any of these assumptions don't hold, the actual payout will be less than the estimate, or nothing at all.

The calculator is a simplification. It doesn't cover:

• Failed contributions. If a scheduled contribution fails, the streak breaks for that period.
• Reversed contributions. A chargeback or dispute can retroactively remove a contribution.
• Changes to your schedule mid-period. Changing your amount, frequency, or plan can affect eligibility.
• Changes to Kivvo's fee structure or cashback rate. These can change, with notice.
• Tax. Cashback may be taxable income. The calculator shows the gross estimate, not the after-tax amount.
• Payout distribution. How cashback is credited (to your Saver pool or directly to goals) is separate from the calculation.
• Partial periods. If you start contributing mid-period, or cancel Kivvo+ mid-period, you may not be eligible for that period.

For the full picture of how payouts work, see our Payouts Policy.

• Choose your plan. Kivvo Payouts is only available to Kivvo+ members. If you select the free plan, the calculator will show that payouts aren't available.
• Choose your contribution schedule. Weekly, bi-weekly, or monthly.
• Enter your contribution amount. The calculator will enforce the minimums for your chosen schedule: $50 weekly, $100 bi-weekly, or $200 monthly.
• Adjust your assumed consistency. If you want to see what happens if you miss a contribution or two, adjust the slider. Remember — in reality, missing a contribution breaks the streak for the entire period.
• View the estimate. The calculator shows an estimated payout amount, based on the inputs and the current fee and cashback rates.

You can adjust the inputs as much as you like to explore different scenarios. Nothing you enter is saved — the calculator is a planning tool only.

The estimate is the amount of cashback you would be credited at the end of a payout period, if:

• You met all the eligibility requirements for the full period, and
• Nothing changed during the period.

In practice, this means the estimate is a best-case scenario, not a typical outcome. Real users often experience:

• Missed contributions (which break the streak)
• Failed payments (which break the streak)
• Schedule changes (which may affect eligibility)
• Plan changes (which affect eligibility)

An estimate that looks generous is not a promise of what you'll receive. Treat it as an upper bound for planning purposes.

Kivvo Payouts is currently limited to users who meet ALL THREE of these criteria:

• Active Kivvo+ subscription for the entire payout period
• Contributing at or above the minimum for your chosen schedule throughout the period
• Maintaining a 6.5-week contribution streak across the period

If any of these is missing, Kivvo Payouts won't apply for that period. See our Payouts Policy for the full details.

The calculator uses the current published fee structure and cashback rate:

• Flat fee: NZD $2.00 per contribution
• Percentage fee: 8% of the contribution amount
• Maximum fee: NZD $15.00 per contribution

• The current cashback rate applicable to Kivvo+ members, as published in your account and in our Payouts Policy.

• 6.5 weeks for Kivvo+ members.

If these change, the calculator will be updated. We'll also notify you about material changes that affect you.

• It's not financial advice. It doesn't recommend a course of action or take your personal circumstances into account.
• It's not a guarantee of returns. Kivvo Payouts isn't interest or investment return. It's a reward for consistent saving.
• It's not a commitment by Kivvo. The cashback rate and eligibility criteria may change.
• It's not a substitute for the Payouts Policy. The Policy is the authoritative source for how payouts work.

• Payouts Policy — the full terms of Kivvo Payouts
• Help with Payouts — troubleshooting common payout issues
• Kivvo+ Membership Terms — the terms of the Kivvo+ subscription
• Contribution Terms — how contributions work
• Fees & Charges — what Kivvo charges for
• Tax Information — how tax generally applies to cashback

If you have a question about Kivvo Payouts that isn't answered here, please submit a support ticket via the Support page. We don't use email for support.

The interactive calculator appears below. Adjust the inputs to see estimates for your own situation.

This page was last reviewed in October 2026.