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Start your safety net
2
Get your KiwiSaver settings right
3
Start tackling your debt
4
Cover your people, money, stuff
5
Run your retirement numbers
6
Set your targets, then hit them!

It's all about the gap.

The gap between what you’ll need and what you’re on track to have.

How far away is it?
How long does your money need to last?

Depending on where you are at in life, you have options when it comes to planning for retirement. It might be some ways off, or you might be already there.

There are two important numbers to take a stab at: when you expect to retire, and how long a retirement you could have. Since we’re living longer – 80% of 65-year-old men can now plan to live until they're 90, and 65-year-old women until they're 94 – our funds will need to last.

 

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How much is enough?

It’s challenging to estimate how much you’ll need for your future lifestyle, but one way is to have a look at what retirees are spending now.

By selecting how many people you're planning for, whether you’d like more lifestyle choices, and where you think you'll live, you can get an idea. 

Here's the deal with NZ Super

In New Zealand, government superannuation is generous, but it still only goes so far. NZ Super is currently $401 a week for individuals, but it’s not hard to think of many people who spend more than that just on accommodation these days.
How much of a gap do you have between what NZ Super provides and what you’ll need for your future lifestyle?
Read on to run your numbers.

MORE ABOUT NZ SUPER

How are you tracking in KiwiSaver?


If you are in KiwiSaver or another savings scheme, it's helpful to estimate how much you'll have stashed away in the future.

It will also allow you to tweak your contributions or change what type of fund you’re in – in order to achieve even better results.

Kiwisaver calculator

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Nail your number now


Sorted's retirement planner is where to plug in your numbers and get a long-term picture through some round estimates. Fire it up now, or add it to your dashboard checklist to do soon.

Feeling stuck?

Flick us a question at office@sorted.org.nz or
call 0800 345 123 for personalised help.

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