How ThatDay works

Step 1
Enter a few basic details — your age, when you'd like to retire, how much you want to live on in retirement, and what you've already saved.

Quick Result
ThatDay immediately shows you two numbers: how much you'll need to fund your retirement, and how much you need to save each month to get there.

Step 2
Add your income and savings details. ThatDay automatically calculates how much your KiwiSaver is currently contributing — no guesswork required.

Step 3
ThatDay presents a Recommended Plan based on its assumptions — evidence-based figures grounded in long-term investment research. A Customised Plan is also available for those who want to explore different savings amounts or rates of return. Be cautious with the Customised Plan: entering optimistic return rates can make retirement look more achievable than it may be. The Recommended Plan is the safer, more reliable option.

Step 4
See how your savings build toward retirement in a clear graph. Most importantly, ThatDay shows your Savings Target — the monthly amount you need to save to retire when and how you want, with your existing savings and KiwiSaver already factored in.

Step 5
ThatDay helps you find savings you might not have realised were there — by asking what you currently spend on a range of everyday discretionary items.

Step 6
See how spending less on those items could close the gap to your Savings Target, and what those savings could grow to over time.

Step 7
You're on your way. If you'd like to explore investment options or get help with financial planning or estate planning, we encourage you to seek advice from a qualified professional. Our partners page lists organisations that may be able to help.

Step 8
Your Retirement Snapshot brings everything together — graphs showing how your savings grow before retirement, where your spending money comes from during retirement, and how your funds gradually draw down over time. Create a free ThatDay account to save your Snapshot and update it whenever your circumstances change.