Retirement Calculator
Adjust the inputs with your values. Results update automatically.
Notes:
• Net Annual Return = (1 + Expected Return) × (1 − Fees) − 1. This calculator compounds annually for current savings and uses a growing-annuity formula for contributions (escalating once per year).
• Today's Rand values are inflation-adjusted using your Inflation Rate. Estimated Sustainable Income is simply Projected Value (today) × your Drawdown Rate (e.g., 4%).
• Tips: Increase the escalation to model annual increases in contributions. Lower the drawdown rate for a more conservative income estimate.
Derived:
Years to Invest
30
Net Annual Return (after fees)
7.00%
Annual Contribution (Year 1)
R 120,000.00
Results:
Projected Value at Retirement (nominal R)
R 24,929,935
Projected Value at Retirement (today's R)
R 5,768,225
Estimated Sustainable Income p.a. (today's R)
R 57,682
• Net Annual Return = (1 + Expected Return) × (1 − Fees) − 1. This calculator compounds annually for current savings and uses a growing-annuity formula for contributions (escalating once per year).
• Today's Rand values are inflation-adjusted using your Inflation Rate. Estimated Sustainable Income is simply Projected Value (today) × your Drawdown Rate (e.g., 4%).
• Tips: Increase the escalation to model annual increases in contributions. Lower the drawdown rate for a more conservative income estimate.