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What does my future look like?
What you could spend each year, how long it lasts, and the earliest you could stop working with it still holding. In a sentence, before any chart.
From your first home to your NZ KiwiSaver: every account, pension and big moment in one plan.
See what it doesAustraliaNew 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.
Three questions, answered for everyone in the plan
Every year of it, drawn out
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, the Australian Age Pension with both of its means tests, and US Social Security from the age you claim it.
Two people, two countries
Different ages, different stop dates and different accounts, worked out as one household.
Tax, country by country
Each country's income tax brackets, rising with inflation over the years of the plan.
Spending that changes
Spend more in the active early years and less later on, or keep it level all the way through.
Fine detail, when you want it
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, in today's money or the money of the year itself.
Kept and printed
Save more than one version of a plan, and print any of them or save it as a PDF.
And the big moments along the way
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.
3 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.
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Named, dated, official sources
Legislation, government agencies, regulators and official statistics, quoted across 41 guides, each source given its name and its date.
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Things no source publishes
Where nothing official exists, the guide says so and lists it beside its sources, rather than making up a figure.
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