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How do I enter my pension or retirement scheme balances?

Enter today’s balance of each scheme you hold in the schemes block under Investments. The rows offered depend on the country you settle in; a pension paid as income goes under Income instead.

Part of this answer depends on your country’s system.

Under Investments, the first block is named after the country you will settle in — for example India retirement schemes. It lists that country’s schemes; enter today’s balance beside each one you hold under Value today, and leave the rest at zero.

  1. Find the schemes block at the top of the page. Its summary line names every scheme it holds.
  2. Find your statement or online account for each scheme and enter the current balance.
  3. Hold a scheme that is not listed — a pension from a country you used to work in? Press + Add another scheme, name it, and enter its value.
  4. Press Re-generate my plan.

The country’s own rows cannot be renamed or removed; changing them is a change of country. Rows you added yourself can be. A balance is counted toward your corpus and grows with it at your plan’s investment return.

Balances, not contributions

Enter only what is in the scheme today. Future contributions are not entered separately: the projection already treats whatever is left of your income after spending and loan payments as saved.

A pension that pays an income

Nivritee does not model state pension eligibility rules. Its guidance is to enter the pension you expect as income, starting at the age it begins: under Income, add it under Other income, set it to start At an age in its Where & when, and make sure it keeps paying after you stop working.

The scheme rows Nivritee creates depend on the country you will settle in.

In United States

  • 401(k) / 403(b) — employer-sponsored retirement account.
  • Traditional / Roth IRA — an individual retirement account you open yourself.
  • HSA — a Health Savings Account.

A 529 plan balance is offered under Also common in United States. A Social Security benefit is an income: enter it under Other income from the age you expect it to start.

Sources for United States

  1. Retirement topics — 401(k) and profit-sharing plan contribution limits — Internal Revenue Service
  2. Retirement topics — IRA contribution limits — Internal Revenue Service
  3. Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans — Internal Revenue Service

In Canada

  • RRSP — Registered Retirement Savings Plan.
  • TFSA — Tax-Free Savings Account.
  • Employer pension (DB / DC) — enter the value of a defined-contribution pot here.

A defined-benefit pension promises an income rather than a pot, and CPP and OAS are paid as income too: add them under Other income from the age they start.

Sources for Canada

  1. RRSPs and related plans — Canada Revenue Agency
  2. Tax-free Savings Account (TFSA) — Canada Revenue Agency

In United Kingdom

  • Workplace pension — the auto-enrolment pension through your employer.
  • SIPP — a Self-Invested Personal Pension.
  • ISA / LISA — ISAs and a Lifetime ISA.
  • State Pension credits — your qualifying National Insurance years.

Your State Pension is an income, not a pot. Check your forecast, then add it under Other income from your State Pension age, and leave the State Pension credits row at zero rather than putting a count of years in a money box.

Sources for United Kingdom

  1. Workplace pensions — GOV.UK
  2. Individual Savings Accounts (ISAs) — GOV.UK
  3. Check your State Pension forecast — GOV.UK
  4. The new State Pension: how it’s calculated — GOV.UK

In Europe

  • State / occupational pension — your national state pension plus any employer scheme.
  • Private pension (Pillar 3) — voluntary personal savings outside state and workplace schemes.

Rules vary a great deal between member states. Enter the value of any pot here; a state pension that pays an income goes under Other income from the age it starts.

Sources for Europe

  1. State pensions abroad — Your Europe (European Union)
  2. Pan-European Personal Pension Product (PEPP) — European Commission

In Australia

  • Superannuation — your super fund balance.
  • Self-Managed Super Fund (SMSF) — your share of a fund you run yourself.

A HECS / HELP debt is suggested under Liabilities. Nivritee does not model the Home Equity Access Scheme.

Sources for Australia

  1. Super for individuals and families — Australian Taxation Office

In New Zealand

  • KiwiSaver — your KiwiSaver balance.
  • NZ Super entitlement — the universal government pension.

NZ Super is paid as income from 65, so add it under Other income starting at that age and leave its balance row at zero. Nivritee does not model a KiwiSaver first-home withdrawal.

Sources for New Zealand

  1. KiwiSaver — Inland Revenue
  2. Who can get NZ Super — Work and Income

In Singapore

  • CPF (Ordinary / Special / Medisave) — the total across your CPF accounts. From 55 the Special Account is closed and a Retirement Account takes its place; include that too.
  • SRS — your Supplementary Retirement Scheme balance.

HDB flat resale value is offered under Also common in Singapore; a CPF housing refund obligation and an HDB loan are suggested under Liabilities.

Sources for Singapore

  1. CPF overview — CPF Board
  2. Supplementary Retirement Scheme — Ministry of Finance, Singapore

In Hong Kong

  • MPF — your Mandatory Provident Fund balance, across all your accounts.

Any other pension pot — an ORSO scheme, or one from a previous country — can be added with + Add another scheme.

Sources for Hong Kong

  1. Mandatory Provident Fund Schemes Authority — MPFA

In Japan

  • Kōsei Nenkin (Employees’ Pension) — the earnings-related public pension.
  • iDeCo — your individual defined-contribution pension balance.
  • NISA — your tax-free investment account.

Kōsei Nenkin pays an income rather than a balance you can draw: add the pension you expect under Other income from the age it starts, and use this block for iDeCo and NISA balances.

Sources for Japan

  1. Old-age Employees’ Pension — Japan Pension Service
  2. What is iDeCo? — iDeCo official site (National Pension Fund Association)
  3. NISA special website (in Japanese) — Financial Services Agency

In India

  • EPF — Employees’ Provident Fund, from your passbook.
  • PPF — Public Provident Fund.
  • VPF — Voluntary Provident Fund.
  • NPS — National Pension System.
  • Gratuity — what your employer owes you today.

Count a gratuity once: either as the Gratuity balance here, or as money coming in under Life goals — not both. Ancestral property is offered under Also common in India and is excluded from your corpus by default; Family gold / jewellery is under Metals & jewellery.

Sources for India

  1. Employees’ Provident Fund Organisation — EPFO
  2. Public Provident Fund — National Savings Institute
  3. Pension Fund Regulatory and Development Authority — PFRDA
  4. The Payment of Gratuity Act, 1972 — India Code, Government of India

In Malaysia

  • EPF (Malaysia) — your KWSP balance across all your accounts.
  • PRS — your Private Retirement Scheme funds.

Enter the combined balance. Further voluntary top-ups are part of what you save each year, not a separate entry.

Sources for Malaysia

  1. Savings: Types of Contribution — KWSP (Employees Provident Fund)
  2. Private Pension Administrator Malaysia — PPA

See this in your own plan.

Open Investments

Last reviewed 1 October 2026.