Retirement Calculator
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Already Retired
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.
Complete your details to unlock all the features.
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.
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!
What Happens When You Retire?
My Retirement Options
Retirement brings important decisions about your Provident, Pension, Preservation Funds, and Retirement Annuities — including whether to transfer them into a Living Annuity or Life Annuity.
These choices can significantly affect your income, tax implications, and long-term financial security.
Make the Most of Your Retirement Options
At Investonline, we help you understand your retirement options and choose a solution that balances flexibility, efficiency, and sustainability.
- Your Options Know what’s available
- Choose Wisely Compare annuity types
- Your Income Plan for the long term
Make confident decisions about your retirement.
Get clarity with our free retirement transition report.
Our Retirement Products
Smart solutions for a secure and rewarding retirement.
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.
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.
Retirement Annuity
- Tax-deductible contributions
- Accessible from age 55
- Long-term tax-free growth
Boost retirement savings while cutting tax via SARS-approved contributions.
Maximise Your Returns
Maximise pre- and post-retirement returns within Living Annuities, Preservation Funds and Retirement Annuities.
You can diversify with local Unit Trusts and direct Offshore.
Our portfolios combine active and index strategies, offering flexibility and optimal performance.
Key Investment Benefits
- Diversify: Blend of active and index
- Growth: Time spent in the markets
- Cost Efficiency: Keep costs low
- Trusted: Reputable Asset Managers
- Flexibility: Tailored to your goals
Reach your goals with proven investment strategies.
| 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
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.
Retirement Planning Comparison
High fees and underperforming funds can hinder the growth of your Living Annuity, Preservation Fund, or Retirement Annuity, impacting your overall retirement savings.
Get More From Your Retirement Products
At Investonline, we focus on cost-effective solutions and consistently strong-performing funds to help you maximize your returns.
- Know Your ReturnsGet a clear picture
- Improve StrategyTailor your plan
- Increase SavingsHelp to save more
Make sure your retirement is on track.
Get clarity with our free comparison report, offering insights into fees and fund performance to help you make informed decisions for a secure future.
Tax Optimisation for Investors
Speakers → Nick Brummer & Stuart Dyer
11 Jun 25 11:00Expert Guidance & Support
Clear, Tailored Guidance
- Get a free comparison report
- Products that suits 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
Request a 15-min introductory meeting
How to Get Started?
Explore Our Products
Choose from pre- and post-retirement solutions, unit trusts, or offshore options at your own pace.
Speak to a Dedicated Specialist
Our experienced team will help match products and funds to meet your financial goals.