Better retirement conversations. Built for NZ advisers.
RetireMe helps independent financial advisers model client retirement scenarios with NZ-specific logic, Monte Carlo resilience analysis, and instant what-if comparisons — in minutes, not hours.
Join the Adviser Programme Try a sample planThe tools available today aren’t good enough.
Most retirement planning tools are either too simplistic for professional advice, too US-centric for NZ clients, or locked inside product platforms that limit your independence.
Spreadsheets & basic calculators
Static, single-outcome projections that can’t model sequence-of-returns risk, life events, or the reality that spending changes through retirement phases.
US-centric platforms
Tools like Boldin or ProjectionLab assume 401(k)s, Social Security, and US tax. Forcing them to work with KiwiSaver, NZ Super, and PIE tax produces misleading results.
Product-locked platforms
Planning tools embedded in wealth management platforms serve the provider’s products, not your client’s best interests. Independent advisers need independent tools.
What makes RetireMe different
Purpose-built for New Zealand. Designed for the conversations you have every day.
| Capability | Spreadsheet / basic calculator | RetireMe |
|---|---|---|
| Monte Carlo resilience analysis | ✕ Not available | ✓ Hundreds of scenarios with success probability & confidence bands |
| KiwiSaver, NZ Super, PIE & PAYE | ✕ Manual or approximate | ✓ Native NZ tax engine — ESCT, PIR, ACC levies, correct brackets |
| Life events modelling | ✕ Difficult to add | ✓ Sell property, inheritance, career change, loan payoff — schedule any event |
| Expense lifecycle (active / quiet / care) | ✕ Not modelled | ✓ Phased spending, aged care overlay, RCS subsidy modelling |
| What-if sandbox | ✕ Rebuild the spreadsheet | ✓ Four sliders, instant results, live delta comparison |
| Client-ready output | ✕ You build it | ✓ Retirement Blueprint PDF with charts, metrics, and scenario comparisons |
In the meeting room
RetireMe turns abstract retirement questions into concrete, visual answers your clients can understand immediately.
“Can I retire at 59?”
Model the six-year gap before NZ Super kicks in. Show the drawdown from investments, the impact on long-term runway, and the success probability across market scenarios.
“Should we sell the rental?”
Add a life event for the property sale. Show the capital injection, the lost rental income, and the net effect on their retirement trajectory — with and without, side by side.
“What if the market drops 20% in year one?”
The Monte Carlo engine already models this. Show the P10 floor — the worst 10% of scenarios — and demonstrate that even in poor markets, their plan has a defined floor.
“How much can we actually spend?”
Model active retirement spending (travel, hobbies) transitioning to quieter years, with aged care costs overlaid from age 80+. Show the sustainable spending envelope at 80% confidence.
How advisers use RetireMe
No training required. If you can fill in a client fact-find, you can build a plan.
Build the plan in the client meeting
Enter assets, income, expenses, and liabilities. The setup wizard gets a working plan in under two minutes. Refine assumptions as the conversation develops.
Show, don’t tell
The dashboard shows success probability, runway charts with confidence bands, and the financial floor. Open the Resilience Sandbox and drag the sliders together — clients see the trade-offs in real time.
Compare scenarios side by side
Create plan variants — retire at 60 vs 63, keep the property vs sell, spend more early vs conserve. Overlay trajectories and compare metrics with deltas.
Deliver a Retirement Blueprint
Generate a professional PDF report with the client’s plan summary, Monte Carlo results, scenario comparisons, and key metrics. A tangible deliverable that supports your advice process.
Review and evolve over time
Save plan versions at each annual review. Track drift, update assumptions with real data, and show clients how their outlook has changed. A living plan, not a once-off document.
Adviser Programme
We’re inviting a small group of independent NZ financial advisers to shape the future of RetireMe’s adviser capabilities.
Founding Adviser Pilot
We’re looking for 10–15 independent advisers or retirement planning specialists to trial RetireMe with real client scenarios, provide feedback on the modelling engine, and help us design the adviser portal.
Pilot participants receive full platform access, direct input into the product roadmap, and founding adviser pricing when the programme launches.
Register your interest Advisor login Try a sample plan first⚠️ Important: RetireMe is a modelling tool, not a financial advice service.
RetireMe does not provide regulated financial advice under New Zealand law. It is designed to support — not replace — the advice process of a licensed Financial Advice Provider. All projections are based on user-provided inputs and generalised assumptions. The adviser remains responsible for the suitability and quality of their advice.
Want to see it in action?
Try a sample plan right now — no sign-up required. Or get in touch to discuss how RetireMe could work in your practice.