Most New Zealanders don't know if they're on track. They hope KiwiSaver will cover it. MapMy Retirement gives you a clear number, a realistic timeline, and a plan to get there — with or without NZ Super.
NZ Super currently pays around $520/week for a single person living alone. That's roughly $27,000/year — enough to cover the basics, but not the retirement most people picture for themselves.
If you want to travel, stay in your home, support family, or simply have choices — you need your own savings working alongside it. The sooner you know the gap, the more time you have to close it.
Basic living expenses — food, power, rates, and modest day-to-day spending. It's designed as a safety net, not a comfortable lifestyle.
Research suggests $800–$1,200/week for a comfortable retirement lifestyle in NZ. That's a gap of $280–$680/week that you need to fund yourself.
If you retire at 65, your money needs to last 20–30 years. Planning for longevity is one of the most important and most overlooked parts of retirement planning.
Enter your details to see how much you'll have at retirement — and whether it's enough for the lifestyle you want.
Retirement planning isn't just about KiwiSaver. It's a complete picture — income, assets, health, timing, and tax — built around the retirement you actually want.
Fund selection, contribution rates, and provider comparison — making sure you're maximising growth for the time you have left before retirement.
What to invest in alongside KiwiSaver to close the gap — managed funds, property, shares, and term deposits positioned around your timeline and risk tolerance.
We run the actual numbers — what you'll have at 60, 65, and 70 — and tell you the earliest date you could realistically retire on the income you want.
How to draw down your savings tax-efficiently, when to take NZ Super, and how to structure your income so it lasts as long as you do.
Health insurance, life cover, and income protection reviewed as you approach retirement — ensuring a health event doesn't derail your financial security.
How your home fits into your retirement plan — whether that's downsizing, using equity, or factoring it into what you leave behind.
Current savings, KiwiSaver balance, income, property, debts, and goals. We take a complete inventory before making any recommendations.
Free initial reviewNot a generic number — your number, based on the lifestyle you want, when you want to stop working, and how long your money needs to last.
Your specific goalKiwiSaver changes, investment recommendations, contribution levels, mortgage paydown strategy — everything aligned to getting you to your number by your date.
Written retirement planMarkets move, life changes, legislation changes. We review your plan annually to make sure you're still on track — and adjust where needed.
Annual check-inResearch from Massey University's Fin-Ed Centre suggests a "no-frills" retirement in NZ requires around $800,000 in savings for a couple, while a more comfortable lifestyle needs $1.2–1.5m. For a single person, those figures are roughly $800,000–$1.1m. These assume NZ Super provides a baseline income from age 65. The exact number for you depends on where you live, what lifestyle you want, and how long you'll be in retirement — which is why a personalised plan matters.
NZ Super (around $520/week for a single person in 2026) is designed to cover basic living costs — food, power, rates. It's not designed to fund travel, home maintenance, healthcare, or a comfortable lifestyle beyond the essentials. Most financial planners recommend treating NZ Super as a supplement to your own savings, not a replacement for a retirement plan.
No. While starting early is the most powerful lever (compound growth), starting later is far better than never starting. If you're in your 50s, you likely still have 10–15 years of contribution and growth time. The focus shifts from maximising accumulation to being realistic about what's achievable and structuring what you have as efficiently as possible. We work with clients at every stage — including those in their 60s planning their drawdown strategy.
The common advice is to move to a conservative fund as you approach retirement — typically within 3–5 years of when you plan to access it. This reduces the risk of a market downturn significantly reducing your balance just before you need to withdraw. However, the right timing depends on your other assets, your income needs, and whether you'll need to access KiwiSaver immediately at 65 or can leave it invested longer. We give you a specific recommendation based on your situation.
You can withdraw your KiwiSaver funds at 65 (or after 5 years of membership, whichever is later). You can take the full amount as a lump sum, set up regular withdrawals, or leave it invested and draw it down gradually. Each approach has different tax and investment implications. We help you choose the withdrawal strategy that makes the most of what you've built.
Yes — but you won't have access to KiwiSaver (until 65) or NZ Super (also 65). So retiring at 55 or 60 means funding the full gap from your own investments until those kick in. This is absolutely achievable with the right plan — but it requires a larger savings pool and a clear investment drawdown strategy. We model early retirement scenarios for clients and give you an honest assessment of what's realistic.
A clear picture of what you'll have, what you need, and how to close the gap — with ongoing advice to keep you on track.