New Zealand Retirement
Project whether your retirement savings will last in New Zealand.
About New Zealand Retirement
Simulates retirement: savings grow at the assumed return while you withdraw the yearly spend. The 4% rule suggests starting with ~25× spending.
Formula
Simulate
Balance = balance × (1+r) − spend, each year
Projection — returns are not guaranteed.
Frequently Asked Questions
Is the 4% rule still safe?
For 30-year horizons it has historically held in most markets; adjust for sequence risk and taxes.
How accurate is this estimate?
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.
Related Calculators
New Zealand specifics
- Currency
- NZ$ NZDNew Zealand Dollar
- Region
- Oceania
- Country code
- NZ
- Amounts look like
- $1,234,567.89
- Dates look like
- 9 Mar 2026
- Units
- metricWeek starts Monday
Results on this page are expressed in NZD (New Zealand Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant New Zealand authority before relying on them.