Your future lifestyle toolkit.
We've rebuilt how you prepare for the lifestyle you want. Our tools show you not only what the life you want looks like, but what it takes to get there. So instead of putting it off, you can see exactly what you need. And when you'd like to talk it through, there's a real person ready.
More than 900 Kiwi households have taken our quiz since September.
We believe the tools to build the future lifestyle you want shouldn't be kept for a select few.
Most couples have a rough idea of the future they'd love. What's missing is a clear, simple way to work out what it takes. Money conversations can feel complicated and a little daunting, so they get put off for another year.
We also believe good financial advice should be available to all. So we've created a place to learn first. Financial literacy in plain language, and easy-to-use tools built around your own numbers, that you work through at your own pace. No jargon, no pressure.
Our tools are made for couples to use together: to talk about what you both want, see what it really takes, and clear a pathway to the lifestyle you're dreaming of.
Life can get complicated. Preparing for an enjoyable future lifestyle doesn't have to be.
Work out your future lifestyle, for free
Your Future Lifestyle Toolkit. Built with licensed financial advisers, costed with Massey University research, in plain language. Start with the quiz and each tool opens up as you go.
Your future lifestyle picture
Take the quiz and see what the lifestyle you want costs, and how much of it you’re on track for today.
The Lifestyle Builder
Design your future lifestyle, together or on your own. We cost it item by item, so you know exactly what you’re aiming for.
Your goal nest egg
See the nest egg your lifestyle needs, where you’re heading, and your funding gap, all in today’s dollars.
The savings test
Find out whether saving more could close your gap, and what it would mean for your take-home pay.
Why most Kiwis put off preparing for their future lifestyle, and what we built instead
People care a lot about their future lifestyle. They just put off preparing for it, because it feels like hard work and bad news. So we rebuilt how we do it.
Read what they told usNew Zealanders over 65 rely on NZ Super for most of their income.
Source: Te Ara Ahunga Ora Retirement Commission.
If you're 45 to 55 and heading the same way, find out what the others do differently.
The Kiwis who get there aren't usually the ones who earned the most or saved the hardest. Alongside their KiwiSaver, they built a second engine: one that grows their wealth without large weekly contributions. It doesn't mean working longer, or giving up the life you enjoy now.
Take the quizReal people, when you want them
Behind every Circulus tool is a team of licensed financial advisers and the specialists they work with. You do as much as you like on your own, and there's a real person ready when you want one.
Licensed financial advisers
Our tools are built with licensed advisers’ know-how, and an adviser is there when you want personal advice.
A wider network
Accountants, a legal team and mortgage mentors, brought in when a plan needs them.
Proper time for every household
We only work with a small number of households each month, so every plan gets the time it deserves.
Questions people ask
Do I need exact numbers?
No. Rough figures are fine, and you can update them any time.
Do I have to do it all at once?
No. Go at your own pace and come back whenever you like. Everything saves as you go.
What if my partner isn’t interested?
Most couples find it fun once they start. Our tools are built to do together, but they work just as well on your own.
Is this financial advice?
Our tools give general information, built with licensed financial advisers’ know-how, to help you understand where you stand. Personal advice only ever comes from a licensed financial adviser, if you choose it.
What happens to my information?
We use it to work out your results and send your next steps. We never sell it. See our privacy policy.
