RetireMe overview
RetireMe is a lifetime cashflow modelling tool built for New Zealand. It assesses forecast income, debt, assets, and spending month by month — then stress-tests outcomes with Monte Carlo simulation. Clear charts make it easier for clients to understand the reasoning behind advice.
Financial architecture
Cashflow modelling is not just for large portfolios. RetireMe helps anyone who wants a clearer picture of where they are heading — from first-home buyers to retirees decumulating KiwiSaver and investments.
The engine ties together income, balance sheet, life events, tax, and retirement spending on one scrubbable timeline. Adjust inputs and see the trajectory update instantly — deterministic baseline plus optional Monte Carlo resilience bands.
Built for advisers and households
Retail users plan in the browser with local-first privacy. Licensed advice firms run a white-label adviser workspace: client portal, document vault, workflows, and plan versions stored securely on the server.
Unlike spreadsheet patchwork, every module feeds the same simulation — so a rental sale, mortgage payoff, or KiwiSaver change flows through to net worth, tax, and retirement success probability.