Retirement calculator

Explore retirement income scenarios.

This calculator shows examples of how savings may provide weekly income in retirement.

What type of retirement do you want?(Required)

Basic

Comfortable

Your Goal

Set your lifestyle goal — or choose a suggested amount based on typical retiree spending.
We have used the following default lifestyle spending in the calculations for an individual: Basic $700 per week or Comfortable $1,200 per week. For a couple: Basic $1,000 per week or Comfortable $1,700 per week

Weekly allowance(Required)

Show amounts in future (at retirement) dollars assuming 3% inflation.

per week

NZ Super
KiwiSaver
Other Income

You have a surplus of $0 to reach your lifestyle goal of $0 per week.

Notes and assumptions:

Investment returns of 4% (after any tax and fees) have been used during the retirement years.
NZ Super is included at the current standard rates ($538.42 per week if single, or $828.34 combined for a couple) in today’s dollars, inflated at 3% p.a. to retirement age and after taxation.
No salary growth or changes in contributions have been allowed for.
This assumes life expectancy is to 95 years.
The investment balance will be fully depleted by age 95.
By clicking the inflation button, the calculator increases NZ Super and costs by 3% a year. It reflects future costs — not what things cost today.
If you earn additional income while on NZ Superannuation, this may affect your tax code and the after tax amount you receive. This calculator does not adjust NZ Superannuation for this, and your final amount may differ.

Source: Based on publicly available data from the Household Economic Survey (Stats NZ, 2023) and NZ Superannuation rates (Work and Income, 2025). Spending tiers are approximate and developed independently for illustrative purposes.

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Disclaimer: This is for illustrative purposes only and is not financial advice.

Source: Based on publicly available data from the Household Economic Survey (Stats NZ, 2023) and NZ Superannuation rates (Work and Income, 2025). Spending tiers are approximate and developed independently for illustrative purposes.

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Notes and assumptions:

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