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This calculator is currently in beta testing phase. Best viewed on a computer.

Retirement Income Planner

Calculate how much you need to save or model your living annuity income drawdown.

🎯 Planning Mode:
Pre-Retirement Accumulation
Post-Retirement Drawdown
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+
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R
R
R
💡 Retirement Income Strategy
Target Basis:
Monthly Income (R)
Drawdown Rate (%)
R
Enable Withdrawal Patterns:🔒 Age edits disabled to preserve pattern timings
OFF
ON
Pattern Complexity:
Simple Patterns
Advanced Patterns
Drop Timing HandlesDrop 1: Age 73 | Drop 2: Age 82
-15%
R25,500/pm
-30%
R21,000/pm
Pre-Retirement Accumulation Results

Plan Summary

Calculating...

0.0%
Age 90+
R0
Living Annuity Caps (2.5% - 17.5%):
OFF
ON
Display Mode:
Real (Today's Rands)
Nominal (Future Rands)

Refine Your Results

Current Age30 years old
Retirement Age65 years old
Life Expectancy90 years old
Monthly ContributionR5,000
Annual Contribution Increase5.0%
Monthly Spend in RetirementR30,000
Important Notice & Disclaimer:
This calculator is provided for illustrative and educational purposes only and does not constitute formal financial advice, tax guidance, or an offer of financial services. The projections generated are mathematical estimates based on user-entered assumptions and simplified return models.

Actual retirement planning is highly nuanced and subject to variables not fully reflected here—including tax regulations (e.g., SARS income tax brackets and Regulation 28 asset allocation limits), investment product administration fees, market volatility, sequence-of-returns risk, fluctuating inflation, healthcare expenses, and personal estate structuring. Past investment performance is not indicative of future returns. Before making any binding financial decisions or implementing a retirement strategy, please consult a qualified, FSCA-registered Financial Services Provider (FSP).