Will I have enough to retire?
Project your KiwiSaver, savings and property equity through to retirement and beyond — whether or not you're a NZ resident or have KiwiSaver, and however many properties you own. No sign-up needed — everything stays in your browser.
Step 1 of 4: You & Residency
How far to project your savings — a cautious plan uses a longer life expectancy
NZ Super and the full KiwiSaver government contribution both require NZ residency — toggling this off switches those off by default below, but you can override either one independently if your situation differs.
Results update live as you adjust the sliders — everything stays in your browser.
Saved plans
View all on dashboardRun a plan and choose “Save” to keep it here. Saved plans live in this browser only — no account required.
Fill in your age, residency, income and main home details and we'll remember them — including for future tools — right here in your browser.
Your Retirement Plan
Net Worth at Retirement
$4,114,453.37
Including property equity
KiwiSaver at Retirement
$662,351.27
Property Equity at Retirement
$3,241,456.78
Projected Monthly Income in Retirement
$5,076.66
NZ Super + rental income + savings drawdown
Savings & Net Worth Over Time
What would it take?
Nothing extra — your current plan already covers your desired spending through to age 90.
KiwiSaver Contribution Rate
3%
$662,351.27
4%
$738,331.08
6%
$890,290.71
8%
$1,042,250.33
10%
$1,194,209.95
Projected KiwiSaver balance at retirement for each standard contribution rate, with everything else held the same.
Our Take
Your plan is on track — projected to fully cover your desired spending through to age 90, with an estimated $4,114,453 in net worth at retirement.
Informational only, not financial advice. Figures are pre-tax income and don't account for every rule (e.g. means-testing changes to NZ Super, or property tax rules like the bright-line test).