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.

Investonline, Your Go-To Retirement Calculator:

Retirement Calculator

Access Standard and Advance inputs:

  • Set income drawdown
  • Change retirement age
  • Select income escalation
  • Adjust inflation & returns
  • Add pre-retirement debit order
  • Set birthday & retirement month
  • And more

View multiple graphs and key inputs that refine your projected results.

Retirement Calculator

Modify Values: Fine-tune your results using standard or advanced inputs.

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.

Calculate Here

Complete Your Details

Enter your details to access all input features

Confirm savings
Your info is secure. Read our POPIA Notice.
By submitting, you agree to communication.

Enter OTP

Check your Mobile for OTP
(via SMS, may take a moment)

Your OTP was sent to If incorrect, go back

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%
  • Need Personalised Advice? Free Consultation
  • Thank you! We'll be in touch soon.
Trusted PartnersPartners with Investonline
Members ofInvestonline member of
Default image

Exploratory Call:

We offer a free consultation to assess your finances and plan for retirement.

Get qualified, independent advice.
No obligation.

Book an Exploratory Call:

  • Retirement: Model your spending
  • Fees: Know exactly what you pay
  • Markets: Investment strategy
  • Taxation: Improve tax efficiency
  • Global: Direct offshore investing
  • Legacy: Wealth transfer
  • Analysis: Independent review


Sample Advanced One-page Summary
Financial and Retirement Planning

Information

Share your details

Discovery

Discuss your situation

Get Your Report

Review the findings

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

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.

For Clients with R10m+ Premium Partner

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

Retirement Calculator Scenarios:

Get More From Our Retirement Calculator

At Investonline, we prioritise cost-effective solutions and high-performing funds to help you maximise returns and secure your retirement.

  • Project Income: Forecast retirement earnings.
  • Compare Outcomes: Assess different scenarios.
  • Adjust Plans: Customize returns and withdrawals.

This approach ensures you understand potential outcomes and can adjust your strategy for a secure retirement.

Plan smarter with multiple return scenarios! ​

Living-Annuity-Comparison

Expert Guidance & Support

Clear, Tailored Guidance

  • Get a free comparison report
  • Products that suit you best
  • Simple, clear and jargon-free

Effortless Transitions

  • Easy, stress-free transfer process
  • We handle switches, start to finish
  • Investments remain safe & secure

Personalised Support

  • Get real help, available nationwide
  • No automated systems or waiting
  • Fast, responsive & reliable service

Our Financial Planners

NickStuartGeranJannieDirkPenelopeEwanJoshuaDylan

Request a 15-min introductory meeting

How to Get Started?

Explore Our Products

Explore Our Products

Choose from pre- and post-retirement solutions, unit trusts, or offshore options at your own pace.

Investonline Investment Team

Speak to a Dedicated Specialist

Our experienced team will help match products and funds to meet your financial goals.

Equites
Next Webinar

Next: Economic Crossroads. Where are SA and the World Headed?

Speakers → Nick Brummer & Johann Els

13 Aug 25 11:00