Retirement longevity planner

Will your money outlive you?

Turn today’s age, spending and assets into a simple year-by-year projection. See the estimated value at retirement, how inflation changes living costs, and whether the retirement pot reaches the chosen life expectancy. This is an educational model, not a forecast or personal financial advice.

1. Your timeline

Current age Retirement age Life expectancy

2. Spending

Current monthly living costs Retirement spending adjustment Annual inflation Latest Stats SA headline CPI available when reviewed: 4.4% in August 2026. Effective tax on withdrawals Use 0% for a TFSA; retirement income may be taxable.

3. Assets and saving

Current investments Monthly contribution until retirement Other net assets For example, home equity or assets outside the investment portfolio. Other asset growth

Make other net assets available for retirement spending at retirement age. Leave this off if a home or other asset should remain separate.

4. Investment assumptions

Investment mix starting point Return before retirement Return after retirement All-in annual investment fee

Global developed-market shares can offer broad diversification, but values can fall sharply and rand movements affect a South African investor. The editable returns are illustrations, not predictions.

Projection ready

Change any assumption to update the result.

Current net worth

Projected net worth at retirement

Retirement funding pot

Monthly cost at retirement

Assets by age

Retirement funding potTotal net worth

The model uses smooth annual returns. Real markets do not move in a straight line.

What the investment preset does

It supplies editable return assumptions and a short risk note. It does not select a product or promise that an index, fund or asset class will repeat past returns.

What “assets last” means

The projection deducts inflation-adjusted spending and estimated withdrawal tax from the funding pot each year. If the pot is still positive at the chosen life expectancy, the plan reaches that target in this simplified model.

What this model leaves out

Market crashes, return order, changes in spending, medical shocks, product rules and tax brackets can materially change the result. Revisit assumptions regularly and test less comfortable scenarios.

Current reference

The default 4.4% inflation rate is South Africa’s August 2026 annual headline CPI published by Statistics South Africa. It is a current snapshot, not a recommended long-term planning rate. The index-style return assumptions are deliberately rounded illustrations and remain editable.

Statistics South Africa: Consumer inflation, August 2026 · Index and TFSA source references