A sudden, striking realization that you can see your whole retirement from here — every year of it, and all the ways it could go.
The moment “will we be okay?” stops being a feeling and becomes a chart.
Free. No account. Your numbers never leave your device.
The problem
The house, the savings, the KiwiSaver, the boat you mean to sell one day — the pieces are all there. What’s missing is the picture: what actually happens when they move against forty years of markets, inflation, and NZ Super.
So the question just sits there, at 2am and at barbecues: “Can we actually afford this life we’re planning?”
How the moment happens
Your ages, the home, the pensions, the spending you actually plan — the go-go years and the quiet ones. Boats, berths, rentals, downsizing, debts, one-off windfalls: if it’s part of your life, it fits in the model.
Not one optimistic line — a thousand simulated market histories, run in about a tenth of a second, right in your browser. Good decades, bad decades, and the crash that arrives at the worst possible time.
One number — how many of those futures work — and an AI-written report that tells your retirement as a story: the strong years, the pinch years, and exactly what to change if the plan needs help.
Built properly
Your plan lives in your browser, on your device — no account, no login, no copy on any server. Every simulation runs locally. The one exception is the optional AI report, which asks first and sends figures only, never your identity.
Current NZ Superannuation rates apply themselves at 65 — single, sharing, or couple. Returns use the standard NZ fund categories— Defensive to Aggressive — at the regulator’s prescribed projection rates, or your own numbers.
Claude reads your plan and both simulations, then writes the plain-English version: the verdict, what’s working, where you’re exposed, and the journey year by year — in today’s dollars, in your own words. Download it, keep it, take it to your adviser.
Sell the yacht at 70 but keep renting out the berth. Downsize the house at 75. Carry the mortgage until the section sells. Gift the kids their deposits. If you can plan it, you can chart it — and watch what it does to every future.
A promise
It will not flatter you. If nine in ten futures work, it says so. If the money runs out at 81, it says that too — while there’s still time to change the ending.
The epiphany isn’t always good news. It’s always worth having early.
Five questions to a first chart. No signup, nothing installed, nothing shared.
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