Lift Off / Calculators

Retirement Income

Plan how long your retirement savings will last. Factor in NZ Super, your expected expenses, and your investment returns to see a clear picture of your retirement runway.

Retirement Savings

NZ Super — Couple

Annual Expenses in Retirement

Retirement Age — 65

5575

Life Expectancy — 90

75100

Investment Return — 5%

0%12%

Annual Draw from Savings

$15,588

Expenses − NZ Super (what savings must cover each year)

Savings Balance in Retirement

Age 90

Savings Last Until

25 years

Years Funded

$1.11M

Lifetime NZ Super

NZ Super$44,412

Investment returns (5% on $500,000)$25,000

Total passive income$69,412

Your expenses$60,000

+$9,412

Annual Surplus

Ready to make sure your retirement income adds up?

We model your complete retirement picture — KiwiSaver, NZ Super, and investments.

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NZ Super rates are based on official Work and Income figures from 1 April 2026 (after tax, M tax code). Single rate assumes living alone. This model assumes constant spending and returns — for a personalised retirement strategy, speak with a Lift Off adviser.