Fears for the impact inflation could have on those saving for retirement.

Massey University research shows the savings needed for retirees to fund a basic household living, with few luxuries, sits at $191,000 dollars in the city, and $77,000 in the provinces.

A more comfortable living standard in the city requires $755,000 dollars, while a provincial household needs $480,000.

It shows many Kiwis in retirement will also need to supplement their super.

Author, Associate Professor Claire Matthews says one reason inflation hits those in and nearing retirement harder, is due to their spending habits.

She says transport costs are a big factor, as well as housing and utilities.

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