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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%

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

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.

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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%
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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.

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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.

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Our Retirement Products

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

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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.

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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.

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Retirement Annuity

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

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

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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

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Our Financial Solutions

Personalised planning for life and legacy.

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  • Car Insurance
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  • Funeral Cover

Business

  • Business Insurance

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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.

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Investonline (IO) Portfolios1yr3yr5yr10yr15yr
Equities
IO High Growth17.4%12.8%19.5%9.6%12.0%
 
IO Balanced15.0%10.5%13.6%8.4%10.2%
IO Cautious16.6%11.1%10.8%8.2%8.6%
Regulation 28
IO Income11.4%9.1%8.5%7.9%8.3%
 
IO Offshore High Growth4.3%16.0%16.6%13.5%18.1%
IO Offshore Growth8.9%13.8%11.7%10.6%12.4%
Global Focus (ZAR)
IO Offshore Balanced11.4%13.3%12.9%10.0%11.4%
Source: Morningstar   Disclaimer
The table provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.
Returns: Mar 2025
Partners with Investonline

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   Disclaimer
The graph provides the latest performance history of our recommended funds. Capture errors may occur. Returns depend on underlying assets, market conditions, and other factors. Past performance—excl. admin and advisor fees, which are minor, as well as taxes—does not guarantee future results.

IO Investment Strategy

Three core pillars focused on your retirement.

1. Purpose-Built Portfolios

We build portfolios for retirement—focused on growth, stability, and offshore exposure.

2. Evidence-Based Approach

We combine index and active strategies to diversify, focusing on consistency—not hype.

3. Smart, Maximum Efficiency

Our approach is streamlined. Every decision drives value and keeps your money working.

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.

Offshore Wrapper

  • Taxes Paid to SARS: Remitted directly
  • Compliant Reporting: Fully adheres
  • No Tax Certificates: Not issued
  • Capital Gains Tax: Only 12%, not 18%
  • No Income Tax: 0%

A tax-efficient structure with capped tax.

Direct Offshore Calculator
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Tax Optimisation for Investors

Speakers → Nick Brummer & Stuart Dyer

11 Jun 25 11:00

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