MySuper Planner


The MySuper Planner is an industry-leading retirement income calculator, which enables you to estimate your projected retirement savings and how long it may last in retirement.

The planner is designed to estimate your total retirement income, including benefits you may receive from NZ Super and other investments. You can also choose to factor in retirement savings details for your spouse or partner (if applicable) and see the impact of a career break or move to part-time work on your projected retirement savings. This enables you to more clearly assess your estimated financial position in retirement and what you may need to do to reach your desired retirement balance.

This planner does not know the future

The planner cannot take into account changes in your personal circumstances, actual future investment returns, inflation or future changes to NZ Super and tax regulations.

Reasonable long-term assumptions have been made

The planner uses default assumptions about future investment returns and inflation which are considered reasonable at the current date based on long-term economic modelling. You can modify these assumptions.

Results are in today's dollars

Showing results in today's dollars allows you to consider your future retirement income in the context of the cost of today's goods and services and your current standard of living.

The 'today's dollar amounts' have been calculated by deflating the projected dollar amounts based on the rate of wage inflation of 2.4%.

This planner is a guide only

The projections shown in this planner are intended as a guide only, based on the information you input, and should not be used in isolation to make financial decisions. This planner does not take into account your personal objectives or your own financial situation and it cannot determine your actual final super benefit or income. Before making any decisions about your super or any other financial product, you should consider seeking advice from a licensed financial adviser and read the relevant product disclosure document.

Detailed information about the planner's assumptions and inputs is available once you start using the planner - simply click 'View' in the menu bar and select 'More Information'.


This planner has been prepared by Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293. Any advice contained in this planner is of a general nature only, and does not take into account the personal needs and circumstances of any particular individual. Prior to acting on any information contained in this planner, you need to take into account your own financial circumstances, consider the product disclosure statement for any product you are considering, and seek professional advice from a licensed, or appropriately authorised, financial adviser if you are unsure of what action to take.

To the extent permitted by law, Westpac, MFAAPL, their directors, officers, employees and related bodies corporate exclude any liability for any loss, damage (including any consequential loss or damage), claims and expenses (including but not limited to legal costs and defence or settlement costs) suffered or incurred by you directly or indirectly arising out of or in connection with your reliance on the information provided in the calculator or the estimates obtained using the calculator, whether in contract, tort including negligence, statute or otherwise.

This planner is not intended as an advertisement for any product issued by Westpac, MFAAPL, or any of its related entities.

Copyright 2024 Mercer LLC. All rights reserved.