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

Retirement Calculator

Add up your Retirement Savings below.

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

Enter your current Total Retirement Savings.

*Trusted by thousands of South Africans.

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

Retirement 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.

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

Retirement 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: Request a returns comparison after fees.

Retirement 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.

Savings
Fees
Calculator

Calculate Here

Savings
Fees
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.

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

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Enter details to access all input features

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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

This Retirement Calculator helps you estimate the income you could receive from your savings. See how drawdown rates, inflation and returns affect how long your savings will last.

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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.

More Retirement Calculator FAQs

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.

More Retirement Calculator FAQs