Investonline, Your Go-To Pension Calculator:

Pension 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, Your Go-To Pension Calculator:

Pension 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 exclusive video.

Pension Calculator

Modify Values: 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

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 Pension Calculator Works

This Pension 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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Built For Retirement

Retirement Calculator FAQs

Retirement Calculator FAQs answer common questions to help you understand how the calculator works and how to plan your retirement more effectively.

What does a retirement calculator do?

A retirement calculator estimates how your savings and contributions may convert into income during retirement based on your assumptions.

How does a retirement calculator work?

It uses your age, savings, contributions, and expected returns to project future values and estimate how long your retirement money may last.

How accurate is a retirement calculator?

Results are estimates based on assumptions, so they are not guaranteed but useful for planning and comparing scenarios.