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Account Balance Account Balance
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Dashboard Dashboard
Account Summary Account Summary
Account Balance Account Balance
Investments Investments
Account Activity Account Activity
Beneficiaries Beneficiaries
Tools Tools
Documents Documents
Contact Us
  • Account Balance

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Your retirement profile

Your account balance

$

Your Account balance consists of:


$

if you take your super today


$

Preserved Amount

(can be accessed at retirement)

 

$

Non Preserved Amount

 


Your non preserved component consists of:

$

Tax Free Amount

 

$

Taxable Amount

 


WE ESTIMATE

$

In {} you will have

Retiring now with

 

$

Income P.A

 

{}

of retirement income

 

{}

of what you need


Estimations: close

The percentage “of what you need” is an estimate based on your projected final balance & the amount you need to provide the desired retirement income for 25 years. This income may not suit your personal needs (see Important information link below). Changes you make on this page won't affect your account & won’t appear on your dashboard.


Your Account balance consists of:


$

if you take your super today

$

Preserved Amount

(can be accessed at retirement)

$

Non Preserved Amount

Your non preserved component consists of:

$

Tax Free Amount

 

$

Taxable Amount

 

This area contains the data and assumptions used in your retirement estimate. You can change the inputs on the controls below, and click Update to see the results.

YOUR RETIREMENT ESTIMATE IS BASED ON

Salary :

Default -

Desired income in retirement p.a. :

Default -

Retire at age :

Default -

More

Additional information about you

You can further customise your retirement estimate with the input sliders below. Click Update to refresh your estimate.

I am partnered
Yes No

I am homeowner
Yes No

I am self-employed
Yes No

Strategy :

Default -

Employer contributions (%) :

Default -

Member Contributions (%) :

Default -

Salary sacrifice contribution p.a. :

Default -

After tax contribution p.a. :

Default -

One-off contribution :

Default -

Adjust default returns by :

Default -

Asset Based Fee :

Default -

Admin fee :

Default -

Insurance fee :

Default -

Inflation (CPI) :

Default -

Get the right advice

A mercer financial adviser can help you understand your defined benefit entitlements so you can make the right choices to meet your personal needs.

Let us help you

  • Select the most appropriate level of contributions and maintain cash flow
  • Align your defined benefit scheme with your other retirement savings
  • Understand tax implications of your superannuation structures
  • Navigate any tax implications

Make an appointment

Important information

Choose the right fund for you

What fund you invest in is a very personal decision - get to know your inner investor with our risk profile tool.
Find out here

Tax Rate Information

No one wants to pay more tax than they have to. Ensuring your tax rate is correct can save you money.
Check your tax rate now

Get Financial Advice

We all need advice from time to time. Our team of financial advisers can call you to discuss your account with Mercer. It doesn’t cost anything extra.
Request a call back now

Salary

Your annual salary before tax and any reduction for personal contributions.

Desired Income in Retirement P.A.

This is the total income you would like to live on in retirement, in today’s dollars. The calculation assumes this will be indexed with price inflation in retirement. The default value is set to the level for singles. If you are partnered, enter half of what you will need as a couple.

Retire at Age

The age you wish to retire.

Partnered

You can indicate your expected partner status at retirement

Homeowner

You can indicate your expected homeowner status at retirement

Self-Employed

Indicate here whether you are self-employed. If you are self-employed, the calculation will assume you do not receive employer contributions

Strategy

Indicate your investment strategy here.

Employer Contributions

Set your employer contribution rate before tax here.

Member contributions

This is the rate of contributions you make (if applicable).

After Tax Contribution P.A.

The annual level of after-tax contributions you pay. The estimate assumes these will increase at the same rate as your salary.

ONE-OFF CONTRIBUTION

This refers to a one-time after-tax contribution you expect to make. If you have savings outside of this account, you can include it here.

Adjust Default Returns By

Use this slider to increase or decrease the default investment return if you anticipate it may be different from the long-term return for the selected option.

Asset Based Fee

Asset-based fees are the fees that are expressed as an annual percentage of your super balance. The default value is the standard rate for your account, but you may receive an employer-based discount

Inflation (CPI)

This is the rate of future price inflation relevant to the area you work and transact.

More Information- Retirement Projections

The estimates of your retirement balance, how much income you may need, and how long it may last, are not guaranteed, they are intended to help you consider whether you are on track to meet your savings goals. Your circumstances may be different to those reflected in the estimate. The estimates do not consider your personal objectives, financial situation (including other sources of income you may have) or needs. You should consider these matters and seek advice from a financial adviser before making any decisions concerning your retirement savings or making other investment decisions.

The figures are based on your age and period to retirement (in whole years), your current balance, and a number of default assumptions, which you can see by clicking on your Account Balance page. (Although you can alter the default assumptions on your account balance page, the Dashboard figures will not change). Because you are able to make changes to the default assumptions and include details specific to you, this projected balance may vary to that on your annual member statement (if applicable).

We have used the New Zealand Retirement Expenditure Guidelines (“the Guidelines”) published by the Massey Fin Ed Centre to inform the estimate of what income you may need in retirement. The Guidelines estimate the savings required to fund the gap between what you might spend in retirement, and the NZ Super you may receive. The Guidelines do not represent a recommended level of spending in retirement, but reflect actual levels of expenditure in retired households (defined as being where one form of income is from NZ Super, a war pension or other government pension) based on results reported in the Statistics New Zealand’s 2018/19 Household Economic Survey.

Mercer has used the Guidelines’ “Metro” budget (based on data for the Auckland and Wellington Regional Council areas and Christchurch City) and assumed a one-person household, to provide an estimate of a comfortable retirement annual income. We have adopted a position between the “Choices” and No Frills” budget, and used a benchmark of an annual retirement income of $52,000 per annum. For more information on the Guidelines, you can read the complete report which is available under the cost of living in retirement section here.

Disclaimer Estimations Contribution caps

The estimate shown here is based on the following information about you:

• Your age and period to retirement (in whole years)

• Your account balance

 

It also includes assumptions about:

• Investment earnings

• Inflation

• Employer contributions

• No voluntary contributions

• Your partner status

• Your desired retirement income

This is an estimate based on the amount you have drawn in the past 12 months, and does not consider your personal objectives, financial situation or needs. For personal financial advice, please contact us to speak to a financial adviser.
You can put as much as you like into your super, but the amount for which you receive tax concessions is limited by contributions caps.

Balance estimate disclaimer

If using this estimate for a withdrawal, please note that in order to calculate your withdrawal amount, we will use the unit prices available at the time we process the withdrawal.  You will not receive a unit price for a date earlier than the date your withdrawal form is received (note unit prices for each business day are generally available two business days later).  Payments may take up to five business days to process from when we receive the required withdrawal form.  In some circumstances, withdrawals will take longer to process if your withdrawal form is not fully complete or your withdrawal requires additional approval.

Unit prices can change daily i.e. these can go down or up. This means that if you are making a full withdrawal the total amount you receive may vary from any earlier balance estimate provided. At the time of the withdrawal you may have had other deductions processed to your account balance, such as for tax and fees. Unit prices can be viewed when you sign into your account online at www.mercerfinancialservices.co.nz.

While all reasonable efforts have been made to ensure the information contained in this estimate is correct, the Manager reserves the right to correct any error or omission. You should not enter any commitments based solely on the information contained in this estimate.

If you require further information about your account, please contact us.

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Copyright 2025 Mercer LLC. All rights reserved

Terms of use & disclaimer Privacy Contact us

Copyright 2025 Mercer LLC. All rights reserved