New Zealand · NZD · Pension guide
Combine a confirmed NZ Super amount with accessible KiwiSaver and other savings. Explore the gap before payments start and the spending your savings can support afterwards.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in NZD, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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Work and Income explains NZ Super eligibility, residence requirements and interactions with overseas pensions. Your circumstances matter; a standard rate is not a personal entitlement. Use the appropriate net amount, considering the tax code and the scenario you are planning.
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Sorted's retirement tools illustrate turning invested savings into an income stream. If you model an accessible KiwiSaver balance as capital here, do not enter your planned withdrawals again as pension income. The calculator itself generates withdrawals from the savings balance.
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A pension or annuity can start later or finish earlier than NZ Super. Enter a separate schedule where needed. Account eligibility, changing tax codes, overseas pension adjustments, market volatility and means-tested support are not automatically calculated.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.