Make Your Financial Planning Work For You:

Financial Planning
Stay On TrackFinancial Planning
Future GrowthFinancial Planning
Your BlueprintFinancial Planning
Guard GrowthFinancial Planning
Tailor NeedsFinancial Planning
Protect, Prosper.Financial Planning
Stay on CourseFinancial Planning
Plan. Retire.Financial Planning
Made Simple.

Build your financial future with Investonline—tailored strategies, estate planning, insurance and expert support. Start today.

Advanced Financial Plan

About Financial PlanningBenefits To Planning Free ConsultationAdvanced Financial PlanCalculatorFree Comparison

Trusted Partners

Member of

Retirement Calculator

Optimise your retirement savings today.

Track your income
Monitor capital progress
Maintain sustainability

Use our Retirement Calculator with standard and advanced inputs to see how long your savings will last and adjust to stay on track.

Retirement Calculator

Improve results by adjusting income, saving more, or retiring later — to name a few.

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%

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

Projections are based on the financial information you provided and are not guaranteed by Investonline. They are intended as a planning tool and consider historical market returns, though future performance is uncertain. Past returns do not guarantee future results. These calculations are not financial, legal, or tax advice and should not be your sole source of information. While we use reliable sources, accuracy cannot be guaranteed.

Modify Values

1. Standard Inputs

Current Age

Retirement Age

Total Retirement Savings

Adjust Your Income: 5%

R15000 @ month 1 (pre-tax)
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%
Need any help? Free Consultation
Thank you! We'll be in touch soon.

What is Financial Planning?

Master Your Finances

With Investonline, financial planning is simple and effective. Our personalised services include:

Investments & Retirement: Diversify for growth and secure income.

Life Cover & Estate: Protect loved ones with insurance and wills.

Tax Planning: Reduce taxes and boost savings.

Start your financial planning journey today with Investonline. Our experts provide solutions to help you reach your financial goals and enjoy a prosperous future.

At Investonline, we customise your financial plan to maximise your future success

Benefits of Financial Planning

Know Your Numbers: A Plan
Achieve Goals: Reach your dreams
Tax Efficiency: Reduce tax burdens
Grow Wealth: Expand your assets
Build Legacy: Create an inheritance

Investing in retirement planning ensures financial security and freedom to enjoy your golden years while leaving impact.

Contact Me

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 Products

Personalised solutions for a secure, comfortable pre- and post-retirement.

Browse More Products

Living Annuity

Flexible income (2.5%–17.5%)
Invest up to 100% offshore
Capital to beneficiaries

Turn your retirement savings into flexible, reliable income payments.

Calculator Explore More

Preservation Fund

Protect savings during job changes
From a Provident or Pension fund
One Pre-Retirement withdrawal

Preserve and protect your retirement savings when switching employers.

Calculator Explore More

Retirement Annuity

Tax-deductible contributions
Accessible from age 55
Long-term tax-free growth

Boost retirement savings while cutting tax via SARS-approved contributions.

Calculator Explore More

Browse More Products

Free Consultation:

At Investonline offers a free consultation to assess your financial position and create personalised retirement and investment plans aligned with your goals.

Get qualified, independent advice — no obligation.

Book a Consultation to discuss:

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

Information

Share your details

Discovery

Discuss your situation

Get Your Report

Review the findings

Free Consultation

Our Financial Solutions

Personalised planning for life and legacy.

Browse More Products

Estate and Wills

Personal

Will Drafting & Reviews
Estate Structuring
Tax Efficiency Planning

Business

Business Succession Agreements

More Info

Life Insurance

Personal

Life Cover, Dread Disease
Disability, Income Protection
Medical Aid, Gap Cover

Business

Business Risk Cover

More Info

Short-term Insurance

Personal

Car Insurance
Household Insurance
Funeral Cover

Business

Business Insurance

More Info

Browse More Products

Maximise Your Returns

Maximise pre- and post-retirement returns with Living Annuities, Preservation Funds, Retirement Annuities or diversify with local Unit Trusts and Offshore.

Our portfolios blend active and index strategies for flexible investing.

Key Investment Benefits

Diversify: Blend of active and index
Growth: Time spend in the markets
Cost: Keep overall cost low fees
Risk: Balanced with active and index
Flexibility: Tailored to your goals

Reach your goals with proven strategies.

Browse Product

	Investonline (IO) Portfolios	1yr	3yr	5yr	10yr	15yr
Equities	IO High Growth	17.4%	12.8%	19.5%	9.6%	12.0%

	IO Balanced	15.0%	10.5%	13.6%	8.4%	10.2%
	IO Cautious	16.6%	11.1%	10.8%	8.2%	8.6%
Regulation 28	IO Income	11.4%	9.1%	8.5%	7.9%	8.3%

	IO Offshore High Growth	4.3%	16.0%	16.6%	13.5%	18.1%
	IO Offshore Growth	8.9%	13.8%	11.7%	10.6%	12.4%
Global Focus (ZAR)	IO Offshore Balanced	11.4%	13.3%	12.9%	10.0%	11.4%

Investonline (IO) Performance

Actual 15-year performance annualised from Mar 2010 to Mar 2025

12.0% IO High Growth 15 Yr Annualised

10.2% IO Balanced 15 Yr Annualised

8.6% IO Cautious 15 Yr Annualised

Source: Morningstar

IO Investment Strategy

Three core pillars focused on your retirement.

Our Offshore Investment

Access to global markets.

Expand Your Global Potential

SA makes up less than 1% of the global economy — limiting opportunities.
International wrappers simplify offshore investing for tax and estate planning.
Maximise growth through global market access with tailored offshore solutions.

Global diversification broadens opportunities, reduces risk and enhances returns.

Look beyond local. Invest globally.