SAVINGS & RETIREMENT / FREE CALCULATOR

Retirement income calculator

Estimate an inflation-adjusted monthly drawdown over a chosen period.

Method and references reviewed 5 November 2026

YOUR NUMBERS

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A CLEARER PICTURE

Initial monthly income in today’s rand

R 12 109,19

Inflation-linked deterministic drawdown · capital exhausted at the end

Annual initial income equivalent: R 145 310,26
Period modelled: 300 months (25 years)
Real annual growth after fees: 1,59%
Capital at end under exact model: R 0,00

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ESTIMATE · NOT A QUOTATION

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BEHIND THE NUMBER

Your calculation, unpacked.

Annual initial income equivalent: R 145 310,26
Period modelled: 300 months (25 years)
Real annual growth after fees: 1,59%
Capital at end under exact model: R 0,00

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

Convert nominal monthly growth after fees to a real monthly growth factor by dividing by (1 + inflation)^(1/12). Solve the end-of-month annuity payment that uses the pot over the entered period. The displayed first monthly income is in today’s rand and later nominal withdrawals rise with inflation.

A worked example

At zero return, fees and inflation, R1.2 million over 20 years funds R5 000 monthly, exhausting capital at the end.

Assumptions & limitations

This deterministic drawdown is before income tax and is not a guaranteed annuity or living-annuity quote. It does not enforce product drawdown limits. Sequence risk, changing returns, longevity beyond the period and bequests are excluded.

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