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Retirement income: what could your future look like?

Retirement planning starts with a simple question: will your savings support the lifestyle you want when you stop working? This calculator helps you explore possible retirement income using your age, savings and assumptions about growth and inflation. It shows estimates in today’s money so the results are easier to compare with what things cost now. You can adjust the assumptions to see how your outcome changes.

Results are gross amounts before income tax, exclude fees and charges, are not guaranteed, and are not a formal quotation.

Step 1 of 4

Your age

How old are you?I have already retired. Work out the income from today, not from a future retirement date.At what age do you want to retire?

Assumptions you can change. Inflation 5%, growth before retirement 9%, growth after 7%, plan to age 95.

These starting assumptions are examples, not forecasts. Change them to test different possibilities. “Planning age” is how far into the future you want the calculation to run; it is not a prediction of how long you will live.

Planning age, 19 to 120. Default 95. This is not a life expectancy.Inflation, -50% to 20%. Default 5%.Yearly return before retirement, -50% to 20%. Default 9%. Negative returns are allowed inside this range.Yearly return after retirement, -50% to 15%. Default 7%.Yearly increase in monthly savings, 0% to 20%. Default 0%. The first increase is after 12 months.Capital you want left at the planning age, in nominal rands at that future date. Default 0. This amount is not increased for inflation.

Retirement income disclaimer