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Investonline offers retirement and offshore planning, active and index options, transparent fees and free calculators to help maximise returns.

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Retirement Calculator

Enter Total Retirement Savings

  • Pension & Provident Funds
  • Retirement Annuities
  • Preservation Funds
  • Living Annuities
  • Other Savings

*Add above to get the total

Our Retirement Calculator makes advanced income tracking easy.


Retirement Calculator

Modify Values: Fine-tune your results using standard or advanced inputs.

1. Income
2. Capital
3. Sustainability
Complete your details to unlock all the features.
Aggressive 10%
Moderate 9%
Conservative 8%
Aggressive 10%
Moderate 9%
Conservative 8%

Age at which income peaks

Adjust Your Income: 5%

How to use the calculator


Total Retirement Savings includes your Provident, Pension, Preservation Funds, Retirement Annuities and Living Annuities to estimate your sustainable retirement income.

Above the graph are Income, Capital and Sustainability. Below is an income slider.

Income is your projected retirement income. Capital shows your remaining savings. Sustainability shows how long your income lasts and the age it peaks.

There are two ways to customise your plan: Standard Inputs and Advanced Inputs.

Standard Inputs let you set your current age, retirement age, total savings and income.

Advanced Inputs let you choose your birthday and retirement month, add contributions until retirement and set income increases every 1, 2 or 3 years to help maintain capital.

Under Modelled Returns, you can adjust inflation (first) and returns (last); the middle value is fixed. Return options (Aggressive, Moderate and Conservative) are for illustration only.

Disclaimer

Projections based on your inputs; results may vary.

Calculate Here

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Enter your details to access all input features

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Modify Values

  • 1. Standard Inputs

    R15000 @ month 1
  • 2. Advanced Inputs

    Modelled Returns
    Adjust inflation (first value) and add/reduce return (last value). Baseline return (middle) is fixed. Options shown as Aggressive, Moderate or Conservative returns. Expected returns are for illustration purposes only.
    Aggressive
    6%
    +
    4%
    +
    2%
    = 7%
    Moderate
    6%
    +
    3%
    +
    2%
    = 7%
    Conservative
    6%
    +
    2%
    +
    2%
    = 7%
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Our Retirement Products

Smart solutions for a rewarding retirement.

Living Annuity

  • Flexible income (2.5%–17.5%)
  • Invest up to 100% offshore
  • Capital to beneficiaries

Turn your retirement savings into flexible, reliable income payments.

Preservation Fund

  • Protect savings during job changes​
  • From a Provident or Pension fund
  • One Pre-Retirement withdrawal

Preserve and protect your retirement savings when switching employers.

Retirement Annuity

  • Tax-deductible contributions
  • Accessible from age 55
  • Long-term tax-free growth

Boost retirement savings while cutting tax via SARS-approved contributions.

Who This Is For:

For Clients with R10M+

You are eligible for bespoke wealth management, featuring personalised service and strategies tailored for high-net-worth individuals.

What You’ll Get:

  • Regular Reviews: Ensure you on track.
  • Market Insights: Exclusive updates.
  • Dedicated Manager: Personal guidance.

Benefits for R10M+ Clients:

  • Maximise Returns: Enhance your net returns.
  • No Guessing: Clear comparisons.
  • Exclusive Insight: Personalised financial plan.

With R10M+ in assets, you’re already on the path to exceptional service.

For Clients with R10m+ Premium Partner

Maximise Your Returns

Maximise pre- and post-retirement returns within Living Annuities, Preservation Funds and Retirement Annuities.

You can diversify with local Unit Trusts and direct Offshore.

Our portfolios combine active and index strategies, offering flexibility and optimal performance.

Key Investment Benefits

  • Diversify: Blend of active and index
  • Growth: Time spent in the markets
  • Cost Efficiency: Keep costs low
  • Trusted: Reputable Asset Managers
  • Flexibility: Tailored to your goals

Reach your goals with proven investment strategies.

Investonline (IO) Portfolios1yr3yr5yr10yr15yr
Equities
IO High Growth19.3%14.0%17.0%9.4%12.1%
 
IO Balanced16.4%11.7%12.0%8.5%10.3%
IO Cautious17.5%11.6%10.7%7.7%8.6%
Regulation 28
IO Income12.1%9.5%8.3%8.0%8.4%
 
IO Offshore High Growth10.8%17.3%14.3%13.9%18.3%
IO Offshore Growth13.5%14.9%10.4%10.8%12.5%
Global Focus (ZAR)
IO Offshore Balanced15.4%14.5%11.5%10.1%11.6%
Partners with Investonline

Investonline (IO) Performance

Actual 15-year performance annualised from Apr 2010 to Apr 2025

12.1% IO High Growth 15 Yr Annualised

10.3% IO Balanced 15 Yr Annualised

8.6% IO Cautious 15 Yr Annualised

Source: Morningstar   Disclaimer
The graph provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.

IO Investment Strategy

The three core pillars that help secure your retirement.

Our Offshore Investments

Access to global markets.

Expand Your Global Potential

  • SA makes up less than 1% of the global economy — limiting opportunities.
  • International wrappers simplify offshore investing for tax and estate planning.
  • Maximise growth through global market access with tailored offshore solutions.

Global diversification broadens opportunities, reduces risk and enhances returns.

Look beyond local. Invest globally.

Offshore Wrapper

  • Taxes Paid to SARS: Remitted directly
  • Compliant Reporting: Fully adheres
  • No Tax Certificates: Not issued
  • Capital Gains Tax: Only 12%, not 18%
  • Out Of Pocket Tax: 0%

A tax-efficient structure with capped tax.

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Smart Financial Planning

At Investonline, you’ll enjoy a free consultation as we work closely with clients to create customised Financial and Retirement Plans tailored to their unique goals using our digital planning process.

Customised & Personal Planning

  • Custom Plans: Built around your future and lifestyle
  • Investment Setup: Structured to meet your goals
  • Ongoing Check-ins: Regular reviews to stay on track

Discovery

Complete your details

Meeting

In person or video call

Implementation

Personalised asset map

Direct Offshore Returns

Looking beyond retirement products?

Direct Offshore gives you access to global markets without the limits of regulated retirement funds.

Invest directly in international assets for stronger currency exposure, broader diversification, and long-term growth — all with full flexibility and control.

Key Investment Benefits

  • Global Access: Direct offshore
  • Diversification: Broaden holdings
  • No Limits: No retirement rules
  • Growth: Global opportunity
  • Flexibility: Access capital

Go beyond SA borders.

World Markets1yr3yr5yr10yr15yr
World
MSCI World Equity Index12.4%11.5%14.5%9.9%3.9%
United States
S&P 500 Index12.1%12.2%15.6%12.3%13.0%
Europe
European Equity Index13.6%9.0%10.5%3.9%-1.1%
Emerging Markets
Offshore Returns ($)
MSCI Emerging Markets Index9.8%6.5%8.1%3.7%-2.3%
Partners with Investonline
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Free Consultation:

Investonline offers free consultation to assess your financial position and create personalised retirement and investment plans aligned with your goals.

Get qualified, independent advice — no obligation.

Book a Consultation to discuss:

  • Retirement: Model your spending
  • Fees: Know exactly what you pay
  • Markets: Investment strategy
  • Taxation: Improve tax efficiency
  • Global: Direct offshore
  • Legacy: Wealth transfer

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Our Financial Solutions

Personalised planning for life and legacy.

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Personal

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How would you like to Get Started?

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Explore Our Products

Choose from Pre-and-Post Retirement Solutions, Unit Trusts, or Offshore options at your own pace.

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Our experienced team will help match products and funds to meet your financial goals.

Expert Guidance & Support

Clear, Tailored Guidance

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  • Simple, clear and jargon-free

Effortless Transitions

  • Easy, stress-free transfer process
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Personalised Support

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  • No automated systems or waiting
  • Fast, responsive & reliable service

Our Client Portfolio Managers

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What our clients say

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Best Investment Decision I ever Made

From the time I first connected with Investonline many years ago, the feel-good, professional element was always present.

Professional, friendly, and proactive advice has always been provided with the client’s best interests in mind. I’m very happy with my designated Planner.

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First time investor

As someone new to investing large sums of money, the team at Investonline exceeded my expectations with their professionalism and expertise.

My portfolio was created seamlessly, and I feel incredibly confident about a long and prosperous relationship with them.

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Understanding the Client’s Needs

Great to deal with a company who went out of their way to understand my specific needs and to explain their reasons for suggesting alternative investments to what I initially was considering.

Admin and contact with Investonline has been excellent so far.

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How to Get Started?

Explore Our Products

Explore Our Products

Choose from pre-and-post retirement solutions, unit trusts, offshore options at your pace.

Investonline Investment Team

Speak to a Dedicated Specialist

Our experienced team will help match products and funds to meet your financial goals.