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Planning for retirement

It pays to plan for your retirement as early as possible.

Planning for retirement

Work out how much you’ll need to save for your retirement, depending on the lifestyle you’d like.

Retirement calculator — Sorted

Think ahead about how much you’ll need and where your money will come from.

How to plan, save and invest for retirement — Sorted

Saving and investing for retirement

KiwiSaver is a work-based savings scheme to help you save for your retirement.


Investing can make your savings grow faster, but you need to work out:

  • what kind of risk you’re prepared to take — sometimes called your ‘investor profile’, and
  • what kind of investment is best for you.

How to start investing — Sorted

Sorted’s Investor kickstarter is a tool to help you choose the right mix of investments — cash, bonds, property or shares — and know what results you can expect.

Investor kickstarter — Sorted

You’ll still pay tax on income from your investments and savings when you retire.

Tax on investments and savings

When to retire

There is no retirement age in New Zealand.

Retirement age

When you retire from a job, you need to make sure your last pay is taxed correctly.

Your last pay when you retire

Living in retirement

There are also other things to think about, like:

  • budgeting
  • ways to save
  • protecting your assets
  • where to live
  • having regular income.

Sorted has information to help you:

Utility links and page information

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