Your Go-To Retirement Annuity Calculator:

Retirement Annuity Calculator

Add up your Retirement Savings below.

  • Preservation Funds
  • Retirement Annuities
  • Provident & Pension Funds

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

Want to include Drawdown Income? Go here

*Trusted by thousands of South Africans.

Your Go-To Retirement Annuity Calculator:

Retirement Annuity Calculator

Built for retirement: New Improved Features!

Standard and advanced input features:

  • Adjust returns
  • Adjust inflation
  • Adjust retirement age
  • Add lump sum & debit order
  • And more

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

*Includes a 45-second video.

Your Go-To Retirement Annuity Calculator:

Retirement 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.

Retirement Annuity 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

Retirement Age 65 yrs

How to use the calculator


Above the graph are Capital and Comparison. Below is a slider to set retirement age.

Capital shows your retirement savings. 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 age, retirement savings and adjust retirement age with the slider.

Advanced Inputs let you adjust the Modelled Return. You can 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.

Details
Fee Savings
Calculator

Calculate Here

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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Fee Savings
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Modify Values

  • 1. Standard Inputs

    Retirement Age 5 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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How this Calculator Works

Enter your key retirement details, see the potential fee savings, then use the Retirement Annuity Calculator to test your total retirement savings and see the potential outcome.
Enter your key retirement details, see the potential fee savings, then use the Retirement Annuity Calculator to test your total retirement savings and see the potential outcome.

Why investment returns matter

Small changes. Long-term impact.

Retirement annuity calculator example showing how R1 million could grow over 25 years at 7% versus 10% annual returns.

Calculate Now

Retirement Masterclass:

Learn how to improve your Living Annuity’s returns, tax, fees and estate planning in 2026.

Retirement Masterclass for 2026 Watch Masterclass
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What is a Retirement Annuity?

Save. Grow. Retire.

A Retirement Annuity helps you save for retirement with tax-efficient growth and protected savings.

It allows you to contribute regularly while benefiting from tax relief of up to 27.5% of your gross income. Investments grow tax-free with a range of portfolio options tailored to your risk preferences.

You can transfer your Retirement Annuity to another provider or consolidate multiple annuities for easier management. Upon retirement, your funds can be transferred into a Living or Life Annuity for continued income security.

At Investonline, we tailor Retirement Annuities to maximise retirement savings.

Benefits of a Retirement Annuity?

Secure your retirement savings with these key benefits:

  • Savings Pot: It’s accessible
  • Creditor Protection: Your savings
  • Disciplined Savings: For retirement
  • No Estate Duty: More retained
  • Easy Transition: Life/Living Annuity

Plan ahead for retirement savings

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