Coast FIRE New Zealand (NZD)
Find your Coast FIRE number in New Zealand dollars — when you can stop saving and let your KiwiSaver and other investments compound to retirement.
KiwiSaver • New Zealand Super • Investments • 100% Free📊 Your Details
Enter your information and toggle New Zealand Super or other guaranteed income to see the impact.
📈 Your Results
See how New Zealand Super and other income reduce your Coast FIRE target.
Based on retire at 65, 4% withdrawal, 2.5% inflation.
New Zealand Coast FIRE by Age
Based on $45,000 annual spending, 4% withdrawal rate, KiwiSaver return 6%, other investments 5.5%, 2.5% inflation, retiring at 65. All figures in today's dollars.
| Current Age | Years to 65 | KiwiSaver Coast FIRE | Other Coast FIRE | Combined | Full FIRE Number |
|---|---|---|---|---|---|
| 25 | 40 | $291,429 | $212,840 | $504,269 | $1,125,000 |
| 30 | 35 | $327,846 | $244,362 | $572,208 | $1,125,000 |
| 35 | 30 | $368,764 | $280,393 | $649,157 | $1,125,000 |
| 40 | 25 | $414,793 | $321,870 | $736,663 | $1,125,000 |
| 45 | 20 | $466,655 | $369,367 | $836,022 | $1,125,000 |
| 50 | 15 | $524,943 | $423,932 | $948,875 | $1,125,000 |
KiwiSaver Coast FIRE assumes KiwiSaver balance compounds at 6% until age 65. Other investments compound at 5.5%. The "Full FIRE Number" is the amount needed to fund retirement without New Zealand Super. Change your assumptions in the calculator above for personalised results.
New Zealand Coast FIRE Insights
Key things to understand about Coast FIRE in the New Zealand context.
KiwiSaver Is Your Foundation
KiwiSaver is a voluntary workplace savings scheme with government contributions (up to $521.43/year) and employer matching (3% minimum). It's the most tax-advantaged vehicle for New Zealand retirement, with earnings taxed at low rates (often 0% in retirement phase). Build it early.
Access Ages Matter
You can access your KiwiSaver from age 65 (or from age 60 if you meet certain conditions, such as financial hardship or serious illness). New Zealand Super starts at 65. Your non-KiwiSaver investments have no age restrictions — they are your bridge to retirement. Plan your gap years carefully.
Real Return Assumptions
New Zealand equities have historically returned 8-10% nominal, with inflation around 2-3% — giving a real return of 5-7%. KiwiSaver funds typically target 5-8% long-term. Our defaults reflect these ranges. Adjust to match your own projections.
New Zealand Super — Universal & Untaxed
New Zealand Super is not means-tested and is paid to all eligible residents from age 65. For a single person living alone, the net rate is about $28,080/year (after tax). Since it's not taxed like other income (it's tax-free for most people), it's a powerful base that reduces your Coast FIRE target by over $700,000 using the 4% rule.
Frequently Asked Questions
Common questions about Coast FIRE in New Zealand.
