How this calculation works
Grow the starting balance and end-of-month contributions until retirement. Each month applies (1 + return/12) × (1 − annual fee/12). Discount the final pot by annual inflation to estimate today’s purchasing power.
A worked example
At zero return and fees, R100 000 plus R1 000 monthly for ten years becomes R220 000 before tax.
Assumptions & limitations
- Retirement age must be later than current age. Contributions stay level in rand; no contribution escalation, tax deduction, withdrawal or employer contribution is assumed unless included in your amount. Returns and inflation are scenarios.
