RetirementCalculatorPage

Retirement Cashflow Calculator | Internal Prototype

Internal prototype only. Educational modelling estimate. Not approved for client use and not financial advice.

Retirement Cashflow Calculator

A simple estimate of how long an investment portfolio may last in retirement.

Your details

Household typeIndividualCouple

Person 1

Current age
Retirement age
Modelling end ageCurrent investments ($)Annual household contributions before retirement ($)
Pre-retirement investmentTerm deposits — 3.5%Moderate — 4.5%Balanced — 5.5%Growth — 6.5%High growth — 7.0%
Post-retirement investmentTerm deposits — 3.5%Moderate — 4.5%Balanced — 5.5%Growth — 6.5%High growth — 7.0%
Inflation assumption (%)Display values asNominal dollarsReal dollars, today’s value
Include NZ Super from age 65

Retirement spending phases

GoGo spending — from last retirement to age 75 ($ today)SlowGo spending — age 75 to 85 ($ today)NoGo spending — age 85 to 95 ($ today)
Calculate

Estimated outcome

Funds last to end age? —
Estimated money runs out at —
Final balance / shortfall —
Balance at first retirement —
Enter your details and run the calculator.
YearP1 ageP2 agePhaseNZ SuperNet portfolio cashflowBalance

This calculator is an educational estimate only and is not financial advice. It ignores tax, fees, investment sequencing risk, changing circumstances, detailed NZ Super eligibility rules, and personal financial objectives. Investment return options are illustrative assumptions only, not recommendations. Please seek personalised advice before making financial decisions.