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Start your personalised retirement planning here:

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Retirement might feel far away, but starting early gives you one of the biggest advantages you have. Use it.

The good news: you don't need to have it all figured out right now. Even small steps taken today – like checking your KiwiSaver fund or getting a sense of your retirement number – can make a huge difference down the track. That's the magic of time.

“It helped me to confirm how much I needed to save for retirement.”

– Sorted user

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Find out your number

How much will you actually need to retire comfortably? It’s easier to plan when you have a figure to aim for. Use Sorted’s retirement calculator to enter your target, then see whether your savings are on track to get there – and what changes could close the gap.

Start now

Top retirement hacks

Time is your greatest asset. The earlier you start putting money aside for retirement, the more compound interest works for you. Even small, regular contributions now can grow significantly by the time you reach 65.
Make sure your KiwiSaver fund matches your timeline. If retirement is still decades away, the type of fund you choose can make a big difference. Higher-growth funds come with more short-term ups and downs, but also more potential for growth over time. It’s worth understanding the trade-offs and checking your fund type suits your situation.
Contribute enough to get the full employer match in KiwiSaver – it’s essentially extra money, so don’t leave it on the table.
Build an emergency fund alongside your saving and investing. Investing and saving for retirement works best when you’re not forced to dip into it at the wrong moment.

“Sorted… helps me to plan for my retirement – that’s something I’ve started to think about since I turned 30.”

– Sorted user

Recommended for you

Let these videos, guides and blogs help you lay the foundations – including what NZ Super provides and what gap you’ll need to fill above it.

Guide

How to plan, save and invest for retirement

A solid overview of what retirement planning actually involves – and how to approach it step by step.

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Guide

Your investment profile

Understanding what type of investor you are helps you choose the right KiwiSaver fund and investments for your stage of life.

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Guide

Investment funds

Funds make investing straightforward – and if you’re in KiwiSaver, you’re already in at least one. Here’s how they work.

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Blog

How to grow your first million dollars

Hint: start early. Get saving and investing soon enough, and a comfortable retirement doesn’t require an extraordinary income.

Blog

Where will you be in KiwiSaver at 65?

Two straightforward ways to drive up your KiwiSaver results over time.

Guide

How to build up your emergency savings

A financial safety net means your long–term savings can keep doing their job – uninterrupted.

Blog

Get $260 in your KiwiSaver

The government puts free money into your KiwiSaver every year – but only if you top-up your account it. Here are five simple steps to make sure you're not leaving it behind.

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Next steps

Build a strong foundation with these key actions.

Know your KiwiSaver

Your KiwiSaver fund type matters more than you might think. Use our KiwiSaver fund finder to check you’re in the right one for your age and goals.

Plan for retirement

Use the retirement calculator to enter your retirement target and see how your savings track. Then use the retirement navigator to see what your income in retirement could look like.