About Retirement Calculator NZ
Free, independent retirement calculators for New Zealanders, built and run by Crucible, an independent New Zealand company. Paid by no provider.
Checked against the law
NZ Super rates come from Work and Income and are stored as the net amounts set in law. KiwiSaver projections use the same engine as KiwiSaver Calculator NZ, built on Schedule 7A of the Financial Markets Conduct Regulations. Tax on work and rent uses the engine behind PAYE Calculator NZ, tested against IRD to the cent.
Tested before every release
The engine must pass every test before the site is published: 71 at the last build, listed on the methodology page with their sources.
Independent
No KiwiSaver provider, fund manager or adviser pays for this site, and we do not sell your details. We may show Google ads, never above a result.
Who we are
Retirement Calculator NZ is built and run by Crucible, an independent New Zealand company that also runs KiwiSaver, PAYE and tax calculators.
What this is not
General information from a calculator, not financial advice. For advice about your own situation, talk to a licensed financial adviser.
Key figures we use
- NZ Super, couple: $854.08 a week
- NZ Super, single living alone: $555.15 a week
- Return after 65: 2.5%
- Inflation: 2%
Rules as at 12 November 2026.