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

Living Annuity Calculator

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

Add above to get your total. Then enter your Total Retirement Savings (Current).

*Trusted by thousands of South Africans

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

Living Annuity Calculator

Built for retirement: 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.

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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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 Living Annuity Calculator Works

This Living Annuity Calculator helps South Africans estimate income from their savings. Test different drawdown rates and see how inflation and returns affect how long it lasts.

It is a useful starting point for comparing drawdown options and estimating sustainable income.

For example, a higher drawdown increases income now but reduces how long savings last.

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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