A Moneybren tool
NZ RETIREMENT CALCULATOR
How much do you actually need to retire in New Zealand? NZ Super covers some of it — this shows the gap, whether your savings close it, and the age your money runs out.
Your numbers
yrs
yrs
$
$/mo
% pa
Real return — growth funds average roughly 4–5% after inflation, fees and tax over long periods.
% pa
Most people de-risk after 65.
$/wk
In today’s dollars — whole household.
After-tax rates from 1 April 2026 — they adjust every April.
Your money lasts to age
—
The whole journey, in today’s dollars
Year-by-year detail
| Age | In / (out) | Balance |
|---|
How to read this honestly. Everything is in today’s dollars — returns are “above inflation,” spending stays constant in real terms, and NZ Super uses today’s after-tax rates (single living alone $555/wk, couple $854/wk combined, adjusted every April and linked to wages by law). The big unknowns are real: markets won’t deliver a smooth 4%, Super settings could change over decades, and retirements now regularly run past 90 — which is why the chart runs long. Massey University’s retirement guidelines put even a “no frills” retirement well above NZ Super alone, so the gap you’re funding is normal, not a personal failure. Start earlier, and the monthly number shrinks dramatically.
How to use this calculator
Enter your age, what you’ve saved, what you add monthly, and what retirement costs per week. The calculator grows your nest egg to retirement, then drains it by the gap between your spending and NZ Super — and tells you the age your money runs out.
If that age is scary, adjust one dial at a time: retire a year later, spend $50/wk less, or save $100/mo more — and watch which one moves the answer most.
This is a tool only, and none of the information it produces is financial advice. Its accuracy is not guaranteed. Always check your own figures and get advice from your own financial professionals before making decisions.