Explore possible retirement scenarios. Not guesswork.
RetireMe is Aotearoa's retirement modelling app. Model your entire financial future — KiwiSaver, property, NZ Super — and know exactly how your money lasts.
No credit card required.
How It Works
Build your retirement plan in under two minutes. No financial jargon required.
Answer 4 Quick Questions
Your age, savings, income, and retirement goals. The wizard builds your personalised plan instantly.
See Where You Stand
Your dashboard shows your success probability, runway chart, and Monte Carlo confidence bands.
Test & Refine
Use the Resilience Sandbox to test what-if scenarios. Add detail as your plan evolves over time.
Why traditional planning fails you
You spend hours on a spreadsheet or online calculator. You get a number. Then life happens, and the plan is obsolete by next month.
It's Static
Standard calculators give you a single number based on fixed assumptions. They can't model what happens when interest rates shift, you sell a property, or your expenses change in retirement.
It's Simplistic
Most tools ignore KiwiSaver rules, NZ tax brackets, mortgage paydowns, NZ Super eligibility, and the reality that your spending changes as you age.
It's Terrifying
Many retirees worry about their financial trajectory. A static snapshot can't help you stress-test different assumptions — only a living, dynamic model can.
Your Complete Financial Picture
Go beyond savings. RetireMe models every element of your financial life in one place.
- Assets: Cash, investments, KiwiSaver, superannuation, term deposits, property - each with its own growth rate and tax treatment.
- Liabilities: Mortgages, vehicle loans, credit cards, student loans - with accurate paydown schedules.
- Income & Expenses: Salary, rental income, NZ Super, part-time work - all modelled at the correct frequency (weekly, fortnightly, monthly, annually).
- Life Events: Sell a property, receive an inheritance, buy a new car, pay off a loan - schedule future events and see their impact instantly.
Monte Carlo Resilience Analysis
One projection is a guess. Hundreds of simulations reveal the truth.
RetireMe runs hundreds of randomised market scenarios against your plan. Instead of a single "you'll be fine" number, you see the probability that your money lasts — accounting for market volatility, sequence-of-returns risk, and inflation uncertainty.
- Success Probability: See the percentage of scenarios where your money lasts to your target age.
- Confidence Bands: Visualise 10th, 25th, 50th, 75th, and 90th percentile outcomes on your runway chart.
- Worst Case Visible: Know your floor — the lowest your net worth drops in the unluckiest scenarios.
Resilience Sandbox
Test decisions before you make them.
Drag a slider and see the impact instantly. No spreadsheet formulas, no waiting — just immediate answers to the questions that matter most.
- "What if I spend 10% less in retirement?" See how many extra years of runway that buys you.
- "What if I delay retirement by 2 years?" Watch your success rate climb in real time.
- "What if returns are 1% lower than expected?" Stress-test your plan against pessimistic markets.
- "What if I get a $50k inheritance?" Model a one-off cash injection and see the ripple effect.
Your Data Stays With You
We believe your financial life is private. That's why we built RetireMe with a "Zero-Knowledge" architecture.
Local-First Storage
Your plan data is stored on your own device. It is not uploaded to our cloud servers.
No Account Required
You can build, save, and edit plans without ever creating an account or giving us your email.
NZ Sovereignty
We are 100% NZ owned and operated. We fall under NZ privacy laws, not foreign jurisdictions.
Built for New Zealand. Not the USA.
Forget forcing US-centric tools to work here. RetireMe is purpose-built for the NZ financial system.
KiwiSaver Native
Employee and employer contributions, prescribed investor rates (PIR), ESCT, contribution matching, and age-65 withdrawal rules — all modelled correctly.
NZ Super Integrated
Current NZ Superannuation rates for couples, single living alone, and single sharing. Automatically starts at your eligibility age with inflation adjustment.
NZ Tax Accurate
Progressive PAYE tax brackets, PIE tax on investment returns, fortnightly and weekly pay cycles, and ACC levies — calculated the way IRD does it.
More Than a Calculator
RetireMe is a living plan that grows with you. Save versions, compare plans, and track how your outlook evolves over time.
Multiple Plans
Create plans for different scenarios — conservative vs optimistic, with or without selling the house. Compare them side by side with metric deltas and trajectory overlays.
Version History
Save checkpoints as your plan evolves. Restore any previous version. Overlay up to three versions on a single chart to see how your outlook has changed.
Expense Lifecycle
Your spending changes as you age. RetireMe models active, standard, and quiet retirement phases — plus aged care costs with self-funded or government-subsidised (RCS) options.
Planning Works. The Numbers Prove It.
Research consistently shows that people with a financial plan feel and do better.
What Kiwis Are Saying
"I wish this app had come out 5 years ago!"
"Thankfully it's not too late. With RetireMe I now have a plan. A difficult one, but still a plan!"
"Wow, I can retire next year, didn't realise it!"
Informed by NZ data from
Your path to exploring retirement scenarios starts here.
Build your first plan in under two minutes — free, no credit card, no trial period.
