Monte Carlo
Success Rate
Status
On Track
Am I okay for retirement?
Our free retirement calculator with KiwiSaver and NZ Super gives you a clear answer in just 5 minutes. No spreadsheets, no jargon, no anxiety. Just honest insights about your financial future.
Free to start · No credit card · No bank connections
The clarity to move forward
See your retirement runway
How long will your money last? Our calculator shows you exactly where you stand—so you can make decisions with confidence.
Portfolio Balance Over Time
Explore how different choices affect your runway
Every choice changes your runway. Test different retirement ages, spending levels, and NZ Super assumptions to find what works for you.
Free to start · Takes 5 minutes · No credit card required
Chart shown is an illustrative example based on typical retirement scenarios. Your actual results will depend on your specific situation, market conditions, and planning decisions. This is not a guarantee of future results.
From anxious to confident in 5 minutes
No spreadsheets. No adviser fees. Just clear answers about your retirement.
Answer Simple Questions
Share your income, savings, and retirement goals. No financial jargon required.
Build your profile
See Your Future
Get a 50-year projection with NZ Super, taxes, and investment growth calculated automatically.
Know where you stand
Explore What-Ifs
Test up to five additional scenarios like retiring early, buying a holiday home, or changing your spending.
Make confident decisions
Forecast
50 Years
Everything You Need
A retirement calculator that fits in your pocket.
Our couple retirement calculator pairs real NZ Super maths, income tax modelling, and Monte Carlo simulations with a simple Scenario Manager. Answer "can I afford to retire?" with clarity in five minutes.
Retirement calculator for couples and individuals
Accurate NZ Super & income tax modelling
Scenario planning with Monte Carlo simulation
Mobile-first design with privacy-first architecture
Can I afford to retire calculator with detailed projections
Built on transparency
See the maths. Keep your privacy. Make your own decisions.
Published formulas
Every calculation uses official IRD and NZ Super formulas. No black boxes.
Complete privacy
No bank connections. No IRD number. Just your estimates and an email to save progress.
No credit card
Start free, stay free. Upgrade only if you want advanced scenario modelling.
Educational tool
Explore scenarios and learn. We never give financial advice. That is the role of a licensed Financial Advice Provider (FAP).
See a range of futures, not just one
Traditional calculators show a single line. We run 1,000 simulations accounting for market volatility, inflation uncertainty, and sequence-of-returns risk. Free includes one preview run, and Pro unlocks unlimited reruns.
- Understand your probability of success, not just a guess
- See best, worst, and most likely outcomes at a glance
- Make confident decisions with realistic projections
Portfolio Projection
30-Year Monte Carlo
Chart shown is an illustrative example only. Actual projections will vary based on your inputs, market conditions, and personal circumstances. This is not a guarantee of future results.
Watch your wealth grow over time
See your complete net worth projection including home equity, investments, and retirement accounts. Understand exactly where you'll be financially at every stage of life.
- Includes home equity and all assets
- Updates instantly as you adjust scenarios
- See the impact of major life decisions
Net Worth Projection
Includes home equity (home value minus all outstanding loans)
Illustrative example only. Actual projections will vary based on your inputs.
Income & Spending Over Time
Income sources change in retirement
Illustrative example only. Actual projections will vary based on your inputs.
Understand how your income shifts
Visualise the transition from wages to retirement income. See exactly when NZ Super kicks in, when you'll need portfolio withdrawals, and how your spending compares.
- See all income sources in one view
- Includes NZ Super estimates
- Compare income vs. spending over time
Know exactly when money flows
Track your annual cashflow year by year. See the difference between income and expenses, and understand how portfolio withdrawals fill the gap in retirement.
- Year-by-year breakdown
- Includes portfolio withdrawals
- Spot potential shortfalls early
Cashflow Projection
Income includes portfolio withdrawals in retirement
Illustrative example only. Actual projections will vary based on your inputs.
Compare KiwiSaver contribution scenarios
Model how different contribution rates affect your retirement balance. See the impact of employer match, government contribution ($261/yr max), and projected balance at 65.
- Compare 3.5%, 6%, and 10% contribution rates
- Includes 3.5% employer contribution
- Government contribution up to $261/year
- Projected balance at age 65
KiwiSaver Balance Projection
Projected balance by contribution rate
KiwiSaver projections are estimates based on the information you provide and current rates. Actual balances may vary. This is not financial advice.
NZ Income Tax Projection
Estimated effective tax rate by year
Tax projection tools for smarter planning
Review KiwiSaver withdrawals under the platform's default sequencing model and see how NZ Super and tax thresholds affect your bottom line.
- KiwiSaver withdrawal modelling
- Default withdrawal sequencing model
- NZ Super and income tax thresholds
- Year-by-year bracket analysis
Tax projections are estimates based on current NZ income tax law and the information you provide. Tax laws change frequently. Consult a tax professional for personalised advice.
Model realistic retirement spending
Your spending won't stay flat for 30 years. fidser. models the natural decline in spending as you move through retirement phases — from active "Go-Go" years to quieter "No-Go" years.
- Go-Go years (65-75): Full spending on travel & activities
- Slow-Go years (75-85): 85% of initial spending
- No-Go years (85+): 75% as activity decreases
- More realistic than flat spending assumptions
Retirement Spending Phases
Annual spending adjusted for lifestyle changes
Most calculators assume flat spending — but research shows retirees naturally spend less as they age. fidser. models this reality for more accurate projections.
Spending phase percentages are illustrative examples based on retirement research. Your actual spending patterns may vary. This is for educational purposes only.
Meet Parker, your AI calculation companion
Explore "what-if" scenarios in plain English. Ask Parker questions like "What if I retire at 60?" or "How do taxes change if I increase my KiwiSaver?" and see projected impacts instantly.
- Explore scenarios conversationally
- Get explanations of your projections
- Ask questions about your projections
- Educational tool, not financial advice
Parker
fidser AI Assistant
Hi, I'm Parker
fidser AI Assistant
I can help answer questions about your retirement projections and explore "what if" scenarios together.
AI-generated content for educational purposes only. Not financial advice.
Parker is an AI assistant that helps you explore retirement scenarios. All responses are for educational purposes only and should not be considered financial advice.
Loved by Early Planners
Join other Kiwi households getting clarity on their retirement future.
“Finally, a tool that balances simplicity with depth. I modelled my retirement scenarios in 5 minutes without a degree in finance.”
Sarah J.
Planning for 2030
“The Monte Carlo simulations gave me a clear picture of the probabilities. It's reassuring to see the maths behind the plan.”
Michael R.
Retired 2024
“We used to get lost in complex spreadsheets. fidser. helped us visualise our shared future and savings goals clearly.”
David & Lisa
Couple, 45 & 42
What's Your "What If"?
Our retirement calculators for couples show how a sabbatical, a new home, or retiring early changes your outlook.
What-if
Retire early at 60
You are on track to meet your expenses in retirement.
- Net worth
- $1,450,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- Update retirement age to 60
What-if
Take international holiday
You can afford this dream trip and stay on track.
- Net worth
- $1,435,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $15,000 in 2026
What-if
Take a Sabbatical in 2027
You can afford this break and still meet your goals.
- Net worth
- $1,380,000
- Monthly income
- $6,200
- Years until depletion
- Never
Modifications
- One-time expense of $25,000 in 2027
- Income change to $0 in 2027
*Projections are hypothetical examples for illustration only, based on historical data and general assumptions. Actual results will vary. This is not financial advice. Learn more
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How we compare
See what sets fidser. apart from basic retirement calculators.
No black boxes. Every calculation uses published IRD and NZ Super formulas.
Complete privacy. No bank connections needed.
Comparisons based on publicly available feature information from common retirement calculators.
No credit card required
Simple, Transparent Pricing
Free retirement calculator with optional Pro features.
Free
$0
forever
- 1 household profile
- Base-case scenario
- Deterministic 50-year projection
- NZ Super modelled from age 65
- PAYE + ACC tax estimates
- KiwiSaver modelling
- 1 Monte Carlo preview run
Pro
$129.50
per year ($10.79/mo)
- Everything in Free, plus:
- Up to 5 additional what-if scenarios
- Monte Carlo (1,000 runs)
- Unlimited Monte Carlo reruns
- Tax insights (default sequencing + bracket analysis)
- Expense phase modelling
- Goal planning & tracking
- Household sharing (viewer/editor invites, 7-day expiry)
- PDF export (owner-only)
Ready to Answer "Can I Afford to Retire?"
Whether it's adventures abroad, peaceful mornings, or quality time with loved ones - our free retirement calculator helps you know you're on track to live the retirement you've earned.
No credit card required · Free to start · 2 minutes to sign up