Investonline, Your Go-To Retirement Calculator:

Retirement Calculator

Enter Total Retirement Savings:

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

Add above to get your total. Our calculator offers advanced input features.

Modify Values

1. Standard Inputs

Current Age

Retirement Age

Total Retirement Savings

Adjust Your Income: 5%

R15000 @ month 1
2. Advanced Inputs

Your Birth Month

Your Retirement Month

Income Escalation

Income escalates with inflation—every year, every 2nd or 3rd year. This helps offset inflation while preserving capital. Example: if you select every 2nd year and inflation is 6%, income escalates by 12.4% (double inflation with compounding).

Debit Order

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.

CPI (Adjust Inflation)
6%

Adjust Returns
0%

Aggressive
6%
+
4%
+
2%
= 7%

Moderate
6%
+
3%
+
2%
= 7%

Conservative
6%
+
2%
+
2%
= 7%
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What is a Retirement Calculator?

Plan Your Future

A retirement calculator is a powerful tool designed to help you estimate how long your retirement savings will last based on your current age, retirement age, and total savings.

With Standard Inputs, you can adjust key basics like age, savings, and drawdown rate to get a quick snapshot of your retirement outlook.

Switch to Advanced Inputs to refine your plan further — including income escalations, monthly contributions, inflation, and return assumptions — for a personalised and precise projection.

The calculator provides a clear view of your financial future.

Benefits of a Retirement Calculator

A retirement calculator helps you plan effectively by providing accurate projections and flexible adjustments.

Estimate Income: Based on retirement savings
Compare Scenarios: Pre- and post-retirement
Adjust Easily: Modify returns and income
Inflation Ready: Factor in rising costs
Maximise Savings: Optimise your savings

Retirement Calculator

Who This Is For:

For Clients with R10M+

You are eligible for bespoke wealth management, featuring personalised service and strategies tailored for high-net-worth individuals.

What You’ll Get:

Regular Reviews: Ensure you on track.
Market Insights: Exclusive updates.
Dedicated Manager: Personal guidance.

Benefits for R10M+ Clients:

Maximise Returns: Enhance your net returns.
No Guessing: Clear comparisons.
Exclusive Insight: Personalised financial plan.

With R10M+ in assets, you’re already on the path to exceptional service.

Dedicated Client Manager

Our Retirement Calculator provides a clear snapshot of your future by analysing three return scenarios, helping you make informed decisions.

Retirement Calculator Scenarios:

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