Everything you need to model and explore retirement scenarios.
RetireMe combines a professional-grade simulation engine with a mobile-first interface designed for real people — not financial advisers.
Simulation Engine
At the core of RetireMe is a month-by-month financial simulation engine that models your entire financial life from today through to your target age.
Deterministic Projection
A month-by-month model using your stated assumptions — growth rates, inflation, tax rates — to produce a single baseline trajectory of your net worth over time.
Monte Carlo & Resilience
Hundreds of randomised simulations that vary returns and inflation around your assumptions. See your success probability, confidence bands (P10–P90), and worst-case floor.
Resilience Sandbox
Four interactive sliders — expense change, retirement delay, return shift, cash injection — with live delta comparisons against your baseline. Answers in seconds, not spreadsheets.
Comprehensive Plan Modelling
Every financial element in one place, with correct NZ-specific behaviour for each.
Assets
Cash, investments, KiwiSaver, superannuation, term deposits, primary property, investment property, vehicles. Each with its own growth rate, tax treatment, and liquidity classification.
Liabilities
Mortgages (primary and investment), vehicle loans, credit cards, personal loans, NZ student loans, AU HECS-HELP. Accurate paydown with interest-only and P&I modes.
Income
Salary, self-employment, rental income, part-time work, NZ Superannuation. Weekly, fortnightly, monthly, or annual frequencies — correctly annualised for the engine.
Expenses
Essential housing, living, insurance. Discretionary lifestyle, travel, hobbies. Healthcare. Major purchases. All frequencies supported, all correctly inflation-adjusted.
Life Events
Schedule future changes: sell a property, receive an inheritance, buy an asset, start or stop income, change an expense, pay off a loan. Each event fires at the date you specify.
Drawdown Strategies
Control how assets are consumed in retirement: lowest-return-first, highest-risk-first, or manual priority ordering. Surplus cash is automatically invested into your chosen destination.
Purpose-Built for New Zealand
RetireMe isn't a US tool with NZ bolted on. Every calculation is built from NZ rules.
KiwiSaver
Employee contributions (3%, 4%, 6%, 8%, 10%), employer matching (3%), ESCT deductions, PIR tax on returns, and automatic withdrawal at age 65. Contribution matching modelled month by month.
NZ Superannuation
Couple, single-living-alone, and single-sharing rates. Automatic start at pension eligibility age. Inflation-adjusted annually. Configurable per plan or locked to current rates.
NZ Tax
Progressive PAYE brackets, PIE tax on investment portfolios, ACC levies, and correct handling of fortnightly and weekly pay frequencies. No US assumptions leaking in.
Expense Lifecycle Modelling
Your spending at 65 won't look like your spending at 85.
RetireMe models how expenses evolve through retirement phases — active, standard, and quiet — with configurable lifestyle factors for each period.
- Lifestyle Phases: Define when you transition from active travel years to quieter living, and how spending scales at each stage.
- Aged Care Overlay: Self-funded care costs that ramp up from age 80+, modelled as an overlay on top of base expenses.
- RCS (Government Subsidy): For those eligible, the Residential Care Subsidy reduces care costs once assessable assets drop below the threshold.
Plan Management
Create, compare, and evolve your plans over time.
Multiple Plans
Create as many plans as you need — conservative, optimistic, with-boat, without-boat. Switch between them instantly. Compare any two side by side with trajectory overlays and metric deltas.
Version History
Save named snapshots as your plan evolves. Add a reason and title to each version. Restore any previous version with one tap. Overlay up to three versions on a single chart.
Setup Wizard
Answer four quick questions — who you are, your financial position, and your retirement goals — and RetireMe creates a fully-formed plan ready for Monte Carlo simulation. Refine everything later in the plan editor. Or let Remy guide you with his questionnaire.
Dashboard at a Glance
Four numbers that tell you everything.
- Success Probability: The percentage of Monte Carlo scenarios where your money lasts to your target age. Green, amber, or red — instant clarity.
- First Shortfall: The earliest month where any scenario runs out of cash. If it says "No shortfall" — you're in good shape.
- Lowest Liquid Net Worth: The deepest trough in your worst scenarios. This is your financial floor.
- Projected Net Worth: Your estimated net worth at target age under deterministic assumptions.
Start planning today.
Build your first plan in under two minutes. No credit card, no trial period.