Know your numbers.
See what you're tracking toward. Compare your trajectory to what the research says you'll need for the lifestyle you want - No Frills or Choices - using the retirement research from Massey University.
Your details
What these numbers mean
The benchmarks this tool compares against come from Massey University's New Zealand Retirement Expenditure Guidelines - an annual publication that measures what different lifestyle levels actually cost in retirement, drawing on Statistics New Zealand household survey data.
No Frills covers the essentials: food, housing, transport, basic healthcare, and limited discretionary spending. Choices covers a comfortable lifestyle with reasonable flexibility for travel, dining, and leisure. Figures vary by household type and are sourced from the 2025 metro update.
NZ Super is included in the weekly income total - but as the numbers show, Super alone doesn't get most people to even the No Frills level. The gap is what a plan is for.