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EVERYDAY MONEY / FREE CALCULATOR

Financial freedom target calculator

Explore a savings target from your spending and chosen withdrawal rate.

Method and references reviewed 5 November 2026
YOUR NUMBERS

Let’s work it out.

Download
R
%
Editable scenario, not a guaranteed return or a market quote.
R
R
%
Editable scenario, not a guaranteed return or a market quote.
%
Editable scenario, not a guaranteed return or a market quote.
years

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Target capital in today’s rand

R 6 000 000,00

Chosen withdrawal-rate heuristic · not a guaranteed safe income

Future target after inflation
R 14 470 284,15
Projected investment pot
R 4 624 002,72
Projected gap to future target (negative = surplus)
R 9 846 281,43
Projected annual income at chosen withdrawal rate
R 184 960,11
See the full breakdown
ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Future target after inflation
R 14 470 284,15
Projected investment pot
R 4 624 002,72
Projected gap to future target (negative = surplus)
R 9 846 281,43
Projected annual income at chosen withdrawal rate
R 184 960,11
UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

THE WORKINGS

How this calculation works

Today’s target is annual spending divided by your chosen withdrawal percentage. Inflate that spending target over the planning period and project investments with end-of-month contributions. Compare the projected pot with the future target.

A worked example

R20 000 monthly spending is R240 000 a year. A chosen 4% withdrawal assumption implies R6 million in today’s rand; it does not guarantee lifelong income.

Assumptions & limitations

  • The withdrawal rate is a planning heuristic, not a South African safe-withdrawal guarantee. Returns, inflation, spending and contributions stay constant. Sequence risk, tax not reflected in your return, longevity and changing expenses can materially alter results.
KEEP EXPLORING

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