• Planning for retirement

  It pays to plan for your retirement as early as possible.

• Your last pay when you retire

  When you leave your job because you’re retiring, check that your final pay is taxed correctly. If it’s not, you could get a bill from Inland Revenue at the end of the tax year.

• Retirement age

  There is no official retirement age in New Zealand. The common age to retire is 65 when NZ Super and some other pension payments start.

• Getting NZ Superannuation or the Veteran's Pension

  NZ Superannuation is a universal payment for NZ citizens and residents who are 65 or older. If you've served in New Zealand's Armed Forces you might be able to apply for a Veteran’s Pension instead.

• SuperGold cards

  If you get NZ Superannuation or a Veteran's Pension, you'll get a SuperGold Card. Use it to get business discounts, free or discounted council services, and free off-peak travel on public transport.

• Managing your money in retirement

  Most people get NZ Superannuation when they turn 65, but there are other sources of income you might use to support yourself.

• KiwiSaver withdrawals after you turn 65

  You can withdraw all your savings when you turn 65, as long as you've been a KiwiSaver member for at least 5 years.

• Retirement villages

  Moving to a retirement village is a big decision — it's important to get independent advice.