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
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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 ($910/wk) covers the essentials: food, housing, transport, basic healthcare, and limited discretionary spending. Choices ($1,740/wk) covers a comfortable lifestyle with reasonable flexibility for travel, dining, and leisure.
NZ Super ($799/week for a couple after tax) is included in the 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.