Accounts & assets in one model
Bring cash, investments, KiwiSaver, property, and other assets together with mortgages and loans. Each line can carry its own growth assumptions and tax treatment, so your plan reflects how New Zealand households actually hold wealth — not just a single “retirement pot.”
When assets and liabilities live in separate spreadsheets, it is easy to miss how paying down debt, selling a property, or rebalancing affects long-term sustainability. RetireMe keeps the full balance sheet inside the same simulation as income, tax, and spending — from liquid vs non-liquid tags through to KiwiSaver, NZ Super start dates, and your monthly surplus.
See every capability in one place on the features overview.
Guided setup: cash and investments
Add bank and savings balances, then each investment pool with its type and return — the engine uses your drawdown strategy when income and expenses do not match.
You do not pick a manual withdrawal rate here: the simulation fills gaps from your investments according to the rules you set under assumptions. That keeps the model consistent from setup through retirement.
Investment property & linked mortgages
Rental and other property sit in the same model as the rest of your balance sheet — each asset can have its own mortgage, repayment style, and term.
Configure type, owners, current value, then link a loan with balance, interest rate, P&I or interest-only, and either a target repayment or years left — the form shows estimated principal, interest, and term.
Start simple in the wizard and refine on the Plan tab when you are ready; the engine always runs assets and debts together.