Investonline, South Africa’s Go-To Retirement Tool:

Living Annuity Calculator

Add up your Retirement Savings below.

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

Enter your current Total Retirement Savings to see your potential fee savings.

*Trusted by thousands of South Africans

Investonline, South Africa’s Go-To Retirement Tool:

Living Annuity Calculator

Built for retirement: New Improved Features!

Standard and advanced input features:

  • Set income drawdown
  • Change retirement age
  • Adjust inflation & returns
  • Set birthday & retirement month
  • And more to help fine-tune your plan

Know your numbers with visual graphs, including a results link sent by email.

*Includes a 45-second video.

Investonline, South Africa’s Go-To Retirement Tool:

Living Annuity Calculator

On your [investment] – fee choice matters.

  • Based on your amount Calculated from your input.
  • Compare your options Industry vs Investonline fees.
  • Keep more invested Lower fees, more invested.

Total fees include admin, fund & adviser fees.

*Tip: Look beyond low fees.
Your return after fees matters more.
We can help compare returns after all fees.

Living Annuity Calculator

Please adjust inputs under Modify Values.

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

Projection is for illustration only. Results may vary.

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Fee Savings
Calculator

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Details
Fee Savings
Calculator

Compare Total Fees

Industry Fee*

2.50%+

Average
Investonline Fee Options
Total fees include estimated administration, fund and adviser fees, based on Regulation 28. Active portfolios combine index and active funds. Tracker portfolios use index funds only.

1.50%

Active

0.98%

Tracker

Includes all fees, also known as the EAC.

Next
Fee based on your input and a Balanced Portfolio.
*Source: ASISA SA Retail Investor Fees Survey.
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Fee Savings
Calculator

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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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How this Calculator Works

Enter your key retirement details, see the potential fee savings, then use the Retirement Calculator to test drawdown rates and see how long your savings will last.
Enter your key retirement details, see the potential fee savings, then use the Living Annuity Calculator to test drawdown rates and see how long your savings will last.

Why drawdown rates matter

Higher drawdown. Less future capital.

Retirement calculator illustration showing how lower and higher drawdown rates can affect portfolio value over 20 years.

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Living Annuity FAQs

Living Annuity FAQs answer common questions to help you understand how a living annuity works and how to plan your retirement income more effectively.

More Living Annuity FAQs

What is a good retirement income in SA?

A good retirement income depends on your lifestyle, but many aim for 60–75% of their pre-retirement income to maintain a similar standard of living.

How long should my retirement pot last?

Retirement savings should ideally last at least 25 to 30 years or more, depending on your retirement age and expected life expectancy.

What is a sustainable drawdown rate?

A sustainable drawdown rate is typically between 4% and 5% per year, helping balance income needs with long-term capital preservation.

More Living Annuity FAQs