NZ Retirement Calculators
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About this app
NZ Retirement Calculators brings together a growing suite of practical tools for New Zealanders planning for retirement — whether that's decades away or already here.
Built around New Zealand's retirement system: KiwiSaver, NZ Super, the Residential Care Subsidy, and the later-life housing options available here — not generic overseas models.
BUILDING YOUR NEST EGG
Estimate your KiwiSaver and other savings at retirement, and project your KiwiSaver balance through to age 65 and beyond, so you can see whether you're on track.
INCOME IN RETIREMENT
Estimate your NZ Super payments, work out how long your savings could last, and model regular withdrawals — either how long a set withdrawal lasts, or how much you could draw over a fixed number of years. See how inflation erodes fixed income over time, and explore the "die with zero" approach of spending your savings intentionally across your lifetime.
LATER-LIFE HOUSING
Compare the true cost of a retirement village against staying in your home, weigh up a reverse mortgage or a Lifetime Home arrangement, and see how each affects your income and remaining equity over ten years.
CARE COSTS
Estimate rest home care costs, check Residential Care Subsidy eligibility, and see how long your savings would last while paying for care.
WHO IT'S FOR
New Zealanders at any stage of retirement planning — those still saving, those approaching 65, and those already navigating drawdown, care, or later-life housing decisions.
IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial advice or recommendations, and they do not recommend any particular product or provider. Results depend on the assumptions you enter and are estimates only. Decisions about reverse mortgages, retirement villages, care and similar are significant — for advice specific to your situation, speak with a licensed financial adviser.
Built in New Zealand by a licensed financial adviser.
Built around New Zealand's retirement system: KiwiSaver, NZ Super, the Residential Care Subsidy, and the later-life housing options available here — not generic overseas models.
BUILDING YOUR NEST EGG
Estimate your KiwiSaver and other savings at retirement, and project your KiwiSaver balance through to age 65 and beyond, so you can see whether you're on track.
INCOME IN RETIREMENT
Estimate your NZ Super payments, work out how long your savings could last, and model regular withdrawals — either how long a set withdrawal lasts, or how much you could draw over a fixed number of years. See how inflation erodes fixed income over time, and explore the "die with zero" approach of spending your savings intentionally across your lifetime.
LATER-LIFE HOUSING
Compare the true cost of a retirement village against staying in your home, weigh up a reverse mortgage or a Lifetime Home arrangement, and see how each affects your income and remaining equity over ten years.
CARE COSTS
Estimate rest home care costs, check Residential Care Subsidy eligibility, and see how long your savings would last while paying for care.
WHO IT'S FOR
New Zealanders at any stage of retirement planning — those still saving, those approaching 65, and those already navigating drawdown, care, or later-life housing decisions.
IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial advice or recommendations, and they do not recommend any particular product or provider. Results depend on the assumptions you enter and are estimates only. Decisions about reverse mortgages, retirement villages, care and similar are significant — for advice specific to your situation, speak with a licensed financial adviser.
Built in New Zealand by a licensed financial adviser.
Save, spend & make it last
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About the developer
YOUR MONEY BLUEPRINT LIMITED
nick.carr@yourmoneyblueprint.co.nz
28 Russell Road
Wainuiomata
Lower Hutt 5014
New Zealand
+64 22 504 7612
