Planning for retirement can feel complex but it doesn’t have to be. One of the biggest questions South Africans face is:
Will I have enough to retire comfortably and will my savings last?
Our Retirement Calculator is designed to help you answer exactly that.
Whether you’re just starting to plan or nearing retirement age this free calculator gives you a clear estimate of the income your retirement savings could provide and how long it might last.
This tool turns your total retirement savings into a clear picture of your financial future. It includes all major savings types: Pension Funds, Provident Funds, Preservation Funds, Retirement Annuities and Living Annuities.
With just a few inputs the Retirement Calculator shows three key things:
- Income – Your projected monthly or annual income in retirement
- Capital – How your savings may grow or decline over time
- Sustainability – How long your money could last and when it may start to run out
Everything is displayed in simple interactive graphs that update in real time as you adjust your figures.
Our calculator is flexible. You can use the basic version for a quick estimate or add more detail for improved accuracy.
Standard Inputs:
Quickly get a snapshot of your future income using:
- Current age
- Expected retirement age
- Total retirement savings
- Desired retirement income
Advanced Inputs:
For a more personalised projection you can:
- Add your birth date and retirement month
- Include ongoing contributions
- Choose how often your income increases to keep up with inflation
These options allow the Retirement Calculator to simulate more realistic long-term retirement scenarios.
Understand Your Risk and Return
The calculator includes three built-in return models:
- Aggressive – Higher risk and potentially higher return
- Moderate – Balanced for long-term stability
- Conservative – Lower risk with steadier returns
You can also set your own return assumptions and inflation rates to test different market conditions and see how they affect your income and capital.
Why the Retirement Calculator Matters
Your retirement income depends on:
- How much you’ve saved
- How your investments perform
- How much you draw each year
Making informed choices early can improve your financial security later.
This calculator helps you test different scenarios avoid guesswork and understand the impact of your decisions before you make them.
Simple Effective Retirement Planning
At Investonline we believe retirement planning should be simple even if your future isn’t. That’s why our Retirement Calculator is:
- Free to use
- Easy to understand
- Designed for South Africans
And if you need help understanding the results our licensed financial advisers are here to support you at no cost.
Try the Retirement Calculator Today
Use the calculator to:
- Estimate your retirement income from current savings
- See how long your capital could last
- Compare different drawdown strategies and return expectations
It’s a powerful tool for smarter more confident retirement planning.
Final Thoughts
The Retirement Calculator helps you look ahead test your assumptions and plan realistically for the future.
Whether you’re five years from retirement or already there this tool gives you clarity on income capital sustainability and how small changes today can shape your tomorrow.
It’s more than just a calculator—it’s a tool for better retirement decisions.
