📈

Building Wealth

Grow your net worth through smart investing, maximising KiwiSaver and planning for financial independence.

7 mins read

📊 Key Numbers for This Stage

KiwiSaver employer match

3% minimum

Free money — max this out before investing elsewhere

FIRE number (25× rule)

25× annual expenses

e.g. $50k expenses → need $1.25M invested

4% withdrawal rule

$1M = $40,000/yr

Historically sustainable withdrawal rate

Index fund avg return

7–10% p.a. (nominal)

S&P 500 historical average; past performance varies

0/10 done

Progress saved automatically in your browser.

FIRE Number

Calculate your financial independence number

Retire Early

See your FIRE timeline and monthly savings needed

Net Worth Tracker

Track all your assets and debts in one place

Investment Return

See compound growth over time

Next stage

Approaching Retirement

KiwiSaver, NZ Super, retirement income planning