01
What does my future look like?
What you could spend each year and how long it lasts, in a sentence before anything else. Then what pays for each stretch of the years, and the earliest you could stop working with it still holding.
See how long your money will last, and what would change it.
Your savings, pensions and big plans like a house or a year off, in one picture of the years ahead.
From your first home to your NZ KiwiSaver: every account, pension and big moment in one plan.
Try it now. Where do you live?
About 3 minutes. No account needed to see your answer.
One step at a time
Step 1
A dozen short questions
One to a screen, about 3 minutes in all. Rough is fine, most can be skipped, and there's no bank login.
Step 2
How long your money lasts
With no account. If it falls short, the change that would fix it comes straight after.
Step 3
Then the next step
A free account keeps your plan, then lists what would make it truer and ticks each thing off once it's done.
The real screens on a phone, filled in for invented people. Open an example plan
AustraliaNew ZealandUnited StatesMore to come
Your future,
in scope.
A plan for your whole life, in one country or across three. Every account in its own currency, and the pensions of New Zealand, Australia and the US, worked out together for your whole household.
The questions it answers, for everyone in the plan
Every year of it, drawn out
Your own, with a free account.
What is in every account, year by year: when each one opens, when the pensions start, and when it is drawn down.
What it takes into account
Five kinds of retirement account
KiwiSaver, Australian super, 401(k)s, and traditional and Roth IRAs, each in its own currency with its own access age.
Three government pensions
NZ Superannuation and the Australian Age Pension once you've lived there long enough, the Age Pension's two means tests, and US Social Security from the age you claim it, wherever you live.
Two people, two countriesPlus
Different ages, stop dates and accounts, worked out as one household, counting the years you've lived elsewhere and a move to another country later on.
Tax, country by country
Each country's income tax brackets, rising with inflation over the years of the plan, and what comes off pay: New Zealand's ACC levy, Australia's Medicare levy and US payroll tax.
Spending that changesPlus
Keep it level all the way through, or spend more once your accounts and pensions open.
Fine detail, when you want itPlus
Safer investments as accounts open, which account is drawn first, and what happens if one of you dies first.
In the money you think in
New Zealand, Australian or US dollars, or British pounds, in today's money or the money of the year itself.
Kept and printed
Save your plan with a free account and print it or save it as a PDF. Plus keeps more than one version.
And the big moments along the way
A child, a trip or a home on Free. Every kind, as many as you like, with Plus.
A child. A cost each year for as long as you set, eighteen years to begin with, starting from published estimates for your country.
Nothing in it is guessed
Every figure the calculator uses, and every answer in the guides, can be traced back to where it came from.
28 September 2026
Rates last checked
Every tax bracket, contribution rule and pension rate is written down with where it came from, and checked each quarter on the dates the rules change.
217
Named, dated, official sources
Legislation, government agencies, regulators and official statistics, quoted across 49 guides, each source given its name and its date.
18
Things no source publishes
Where nothing official exists, the guide says so and lists it beside its sources, rather than making up a figure.
What it will cost
Free is open now. Plus and Pro open soon, and anyone with an account before then keeps the early-bird price.
Free
To see what it can do
NZ$0always
No card needed
What you get
- You, in New Zealand, Australia or the US
- Your accounts, pension, pay and savings
- How long it lasts, and the earliest you could stop
- Two big moments: a child, a trip or a home
- One saved plan
Plus
For couplesFor a household
NZ$12a month
or NZ$89 a yearCancel anytime
Early bird NZ$59 a year
Everything in Free, and
- A partner, in their own country
- Every kind of big moment, as many as you like
- Spend more once your accounts open
- Pay rises, other income, which account is drawn first, and what happens if one of you dies first
- Three saved plans
- A check-up email each year
Pro
To keep it current
NZ$25a month
or NZ$199 a yearCancel anytime
Early bird NZ$129 a year
Everything in Plus, and
- Unlimited saved plans
- Two futures side by side, such as staying or movingAt launch
- An email whenever a government figure changes, saying what it did to your planComing
- A written report for your accountant, and a link they can viewComing
- New countries first, starting with the United KingdomComing
Open from launch. What's marked Coming is being built, and arrives at no extra cost.
Founder · 200 places
NZ$299once, places 1 to 100
Places 101 to 200 NZ$399 once
Offered to the waitlist first when LifeScope launches, then to everyone until early-bird prices close.
- Everything in Pro, for life, with every addition and improvement
- Early access and a founder price on what LifeScope makes next
- Your founder number, one of 200
- Try Plus free for 48 hours. We'll email you the day before it ends, and only charge your card if you don't cancel.
- Early-bird prices are for the waitlist and anyone signed up before launch. Claim within 14 days of launch and keep it while you're subscribed.
- In New Zealand and Australia the price shown is what you pay. In the US, sales tax is added at checkout where it applies.
- Money back on a yearly plan or founder place if you change your mind within 14 days. How refunds and cancelling work
You can try it now
A few questions, then how long your money lasts and the earliest you could stop. No account needed to see your answer. Make a free account before Plus opens and you keep its early-bird price.
Try it with your numbers