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

Offshore Calculator

Our Offshore Investment Calculator shows growth in rands, dollars, pounds or euros, based on your investment term and expected returns.

Explore your offshore investments.

  • Track your capital
  • Compare currency options
  • Standard & advanced inputs
  • Compare offshore scenarios
  • Project long-term growth

Enter your current Total Offshore amount to see your potential fee savings.

Alternative: Try our Retirement Calculator

*Trusted by thousands of South Africans

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

Offshore Investing Calculator

Access Standard and Advanced inputs:

  • Adjust returns
  • Adjust inflation
  • Change currency
  • Adjust investment term
  • And more to help fine-tune your plan

Every 1% matters in returns and fees.

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

*Includes a 45-second video.

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

Offshore Investing 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.

Offshore Investing Calculator

Modify Values: Standard or Advanced inputs.

1. Capital
2. Comparison
Complete your details to unlock all the features.
Return = 10%
Return - 1%
Return - 2%

Less return, lower outcome

Investment Term 10 yrs

How to use the calculator


Above the graph are Capital and Comparison. Below is a slider to adjust the term.

Capital shows your investment growth. Comparison shows how your return compares to lower-return scenarios: Modelled Return, Less 1% and Less 2%.

You can customise your plan using Standard Inputs and Advanced Inputs.

Standard Inputs let you set your age, contributions, total investment amount, currency and adjust the investment term with the slider.

Advanced Inputs let you adjust the Modelled Return. Change inflation (first value) and expected return (middle). The third shows the impact if returns drop (Less 1% or 2%).

Disclaimer

Projection is for illustration only. Results may vary.

For a more complete retirement analysis covering your goals, liquidity needs, tax and estate planning, contact us.

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Fee Savings
Calculator

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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
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Modify Values

  • 1. Standard Inputs

    Investment Term 10 yrs

  • 2. Advanced Inputs

    Modelled Returns
    Return = 10%
    6%
    +
    2%
    Return Less 1%
    6%
    +
    2%
    -
    1%
    Return Less 2%
    6%
    +
    2%
    -
    2%
  • Need Help? Explain My Results
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Why choose an Offshore Investment Wrapper?

Three key benefits: Tax savings, simpler estate planning and global investment choice.

1. Tax Savings

Less admin, more tax certainty.

2. Estate Savings

A simpler wealth handover.

3. One Account

Access to global choice.

Why tax efficiency matters offshore

Less admin, more tax certainty.
Offshore Investing Calculator explaining investment wrapper tax benefits, fixed tax rates, simplified tax administration and tax-efficient withdrawals.

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Why a simpler estate structure matters

Fewer delays. A smoother handover.
Offshore Investing Calculator highlighting how offshore investment wrappers can reduce foreign estate tax exposure and simplify wealth transfers to beneficiaries.

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Why one offshore account matters

One account. Global investment choice.
Offshore Investing Calculator showing access to global funds, ETFs and direct shares through one consolidated investment account with tiered fees.

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Offshore Investment — Explained

Offshore Investment Product

Capital & Currency

Explore global investment opportunities.

Offshore investing allows you to diversify your wealth internationally, accessing global markets and investments in foreign currencies.

Enter your current offshore investment value, select your preferred currency and choose an investment term to explore potential growth.

Currency movements can affect your investment’s value when converted back into rands. Understanding currency exposure is an important part of long-term offshore investment planning.

Growth & Scenarios

See how your offshore wealth could grow.

Our Offshore Investing Calculator projects future capital using your investment amount, selected currency, investment term and modelled returns.

Switch between Capital and Comparison to explore different investment outcomes over time.


Compare projected capital with scenarios where investment returns are 1% or 2% lower to better understand the potential long-term financial impact on investments. Even small changes in returns can significantly affect your future wealth.

Returns & Feeses

Understand your offshore investment costs.

Adjust inflation and expected investment returns using Advanced Inputs to explore different offshore investment scenarios.

Compare estimated fund, administration and adviser fees to understand how total investment costs affect your capital over time.


Lower fees can leave more money invested, supporting long-term growth. However, global markets and currencies fluctuate, and future investment returns are uncertain. Calculator projections are illustrations, not guarantees.

Offshore Investment Product

Retirement Tax Planning for R10m+ Portfolios

How R10m+ investors can structure retirement income, investments and estates efficiently.

How to structure a R10m+ retirement portfolio in South Africa Watch Masterclass

More Ways We Can Help

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Are Your Fees Too High?

Calculate your retirement needs and see how fees could impact your long-term savings.

Retirement Calculator
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Let’s Talk Offshore

We offer a free consultation to assess your offshore finances and plan for retirement.

Family wealth planning helps preserve wealth across generations.

Get qualified, independent advice.
No obligation.

Book an Exploratory Call:

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


Sample Wealth Planning Summary
Investonline wealth planning summary covering retirement income, savings, pension funds, offshore investments and assets, with a focus on liquidity, tax efficiency, investment growth and long-term financial security.

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Discovery

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Expert Guidance & Support

Clear, Tailored Guidance

  • Get a free comparison report
  • Products that suit you best
  • Simple, clear and jargon-free

Effortless Transitions

  • Easy, stress-free transfer process
  • We handle switches, start to finish
  • Investments remain safe & secure

Personalised Support

  • Get real help, available nationwide
  • No automated systems or waiting
  • Fast, responsive & reliable service

Our Financial Planners

Nick Stuart Geran Jannie Dirk Penelope Ewan Joshua Dylan

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