Retirement Calculator Features
Focused retirement calculators for couples and individuals that answer 'Am I okay?' without the complexity.
Parker AI AssistantNewPro
Ask questions in plain English. Explore "what-if" scenarios conversationally and get explanations of your projections.
Couple retirement calculator
Built for single or couple households with shared expenses and individual retirement accounts.
Scenario Manager
Base case plus up to five additional what-ifs for retire-early, windfalls, or expense tweaks.
Monte Carlo simulations
1,000 randomised simulations show your probability of success, not just one guess. Free includes one preview run; Pro unlocks unlimited reruns.
NZ Super projectionsNew
NZ Super is modelled from age 65 using current single/couple and living-situation rate structures, with inflation assumptions for long-range projections.
Tax bracket projectionsNew
See your income tax picture year-by-year through retirement with bracket analysis based on the platform's default withdrawal sequencing model.
Expense phase modellingNew
Go-Go, Slow-Go, No-Go phases model realistic spending decline through retirement.
Goal planning & tracking
Set retirement goals and track progress toward achieving them.
Household sharing
Invite household members as viewer or editor to collaborate on planning. Invites expire after 7 days.
PDF export
Export your retirement plan as a professional PDF (Pro, owner-only) to share with your Financial Advice Provider (FAP).
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).
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.
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.
Model Any Future with Our Free Retirement Calculator
See how decisions impact your retirement instantly with our can I retire calculator.
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
Important: fidser. is an educational forecasting tool. Projections are estimates based on the information you provide. This is not financial, tax, or legal advice. Consult a qualified professional for personalised guidance.
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