The 4 percent rule is a classic retirement strategy—but is it right for South Africans today?
It suggests you can safely withdraw 4% of your retirement savings per year, adjusted for inflation, and your money should last around 30 years.
But is this realistic in today’s economy?
Test the 4 Percent Rule With a Retirement Calculator
Using our free Retirement Calculator you can:
- Enter your current savings amount
- Set your desired income goal
- Adjust return and inflation rates
You’ll see how long your capital will last under different drawdown strategies and market conditions.
Why It’s Not One-Size-Fits-All
Investment returns aren’t guaranteed and inflation varies over time. If you withdraw too much too early, you risk running out of money sooner.
The Retirement Calculator gives you control to test the 4 percent rule—or find your own safe withdrawal rate.
Tailored for South African Conditions
Built for local realities the calculator factors in:
- South African inflation patterns
- Types of local retirement funds
- Different levels of risk appetite (aggressive, moderate, conservative)
Get the Answer You Need
How much is too much to draw? Is 4 percent too little for your needs?
The Retirement Calculator gives you answers without guesswork. Try it today to test your retirement strategy before it’s too late.
