Retirement budget & spending you can evolve
Map expenses at the frequency you live with — weekly, fortnightly, or yearly — and use expense profiles to reflect quieter or more active phases of retirement. See how spending interacts with NZ Super, drawdowns, and tax over time.
Static calculators often assume flat spending forever. RetireMe is built for the reality that your lifestyle — and costs like healthcare — change as you age. Model phased spending, lifestyle intensity, public RCS-style care settings, and a care overlay with a clear expense profile preview (nominal or NPV).
Explore the rest of the toolkit on the features overview, or read expense strategy in retirement in our articles.
Retirement rules: category by category
Map today’s spending into retirement: full amount, exclude, percentage, or fixed — then apply across your expense tracker.
Every category can reflect how retirement might really look: less on transport, more on travel, essentials at 100%, fees excluded. Apply rules in one action and keep your plan aligned with how you actually live.
Expense Tracker: actuals vs retirement overlay
See monthly actuals against a retirement-adjusted line, plus a long-run trajectory with target and interpolated path to your retirement date.
The tracker closes the loop between tracking and planning: retirement-equivalent spend, gap to your plan target, and a clear monthly path — not just a static budget figure.