Planning Tools

Quick Financial Health Tools

These interactive tools help you get a sense of your financial position across key areas. They’re designed to be useful starting points — not substitutes for proper financial advice.

Important: These calculators provide estimates only. For personalised recommendations, book a consultation.

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Retirement Planning

Planning tool

Quick retirement income check

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Use this estimator to check how long your capital may last under different assumptions. It is not advice.

Starting capital (R) Monthly income needed (R) Expected annual growth (%) Annual inflation (%)

Estimated duration

0 years

Real monthly income after 10 years

R0

Assumes monthly withdrawals increasing with inflation and annual growth applied monthly.

Planning tool

Retirement Contribution Tax Benefit

See how much tax you can save by contributing to a retirement annuity. Contributions are tax-deductible within limits.

Annual gross income (R) Current pension/provident contributions (R/year) Planned RA contribution (R/year)

Total Contributions

R0

Deduction Limit (27.5%)

R0

Allowable Deduction

R0

Tax Before Deduction

R0

Tax After Deduction

R0

Tax Saved

R0

Effective Cost of RA

R0

Effective Discount

0%

Unused Carried Forward

R0

Deduction limited to 27.5% of taxable income, capped at R350 000/year (2025/2026). Excess contributions carry forward. Tax calculated using 2026 tax tables.

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Risk & Protection

Planning tool

Risk Profile Assessment

Answer these questions to get a sense of your investment risk tolerance. This is a guide, not advice — proper risk profiling requires a comprehensive discussion.

1. If your investment dropped 20% in a year, what would you do?

Sell everything — I can't handle losses Sell some — reduce my exposure Hold — wait for recovery Buy more — markets are on sale

2. How long before you'll need to access these funds?

Less than 3 years 3–5 years 5–10 years More than 10 years

3. Which best describes your investment experience?

None — I've only had savings accounts Some — I've had unit trusts or ETFs Moderate — I understand market cycles Experienced — I actively manage investments

4. What's your primary investment goal?

Capital preservation — avoid any loss Income — regular, stable returns Balanced growth — some volatility acceptable Maximum growth — volatility expected

5. If you had to choose between these hypothetical portfolios, which would you pick?

Portfolio A: Best year +6%, Worst year +2% Portfolio B: Best year +12%, Worst year -5% Portfolio C: Best year +20%, Worst year -12% Portfolio D: Best year +35%, Worst year -25%

Your Risk Profile

Answer all questions

This is a simplified guide. A full risk assessment considers your complete financial situation, income stability, dependants, and other factors.

Planning tool

Death & Disability Shortfall Analysis

Check if you have enough cover to protect your family's financial future. This identifies potential gaps — not advice, but a useful starting point.

Your gross annual income (R) Years of income replacement needed Outstanding debt (home loan, loans) (R) Children's education fund needed (R) Emergency fund needed (R) Existing life cover (R) Existing disability cover (R) Investment/savings available (R)

Total Death Need

R0

Existing Cover

R0

Death Shortfall

R0

Total Disability Need

R0

Existing Cover

R0

Disability Shortfall

R0

Death need = income replacement + debt + education + emergency - savings. Disability need assumes income replacement plus debt settlement.

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Savings Goals

Planning tool

Education Savings Planner

Estimate how much you need to save monthly for your child's future education. Costs are estimated in today's terms and projected forward.

Child's current age Years until tertiary education Years of study Estimated annual cost today (R) Education inflation (%) Expected investment return (%) Current education savings (R) Monthly contribution (R)

Future Cost (total)

R0

Projected Savings

R0

Shortfall / Surplus

R0

Suggested Monthly Savings

R0

Future cost assumes education inflation compounding. Suggested savings assumes achieving the target with current savings as a head start.

Planning tool

Emergency Fund Target

Calculate how much you should have saved for unexpected expenses. The general rule is 3-6 months of essential expenses.

Monthly housing (rent/bond) (R) Monthly utilities (R) Monthly transport (R) Monthly food & household (R) Monthly insurance & medical aid (R) Monthly debt payments (R) Other essential monthly expenses (R) Current emergency savings (R)

Monthly Essentials

R0

3-Month Target

R0

6-Month Target

R0

Current Savings

R0

Shortfall (to 3 months)

R0

Shortfall (to 6 months)

R0

Aim for 3 months minimum, 6 months ideal. Adjust based on job stability, dependants, and health considerations.

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Estate Planning

Planning tool

Estate Duty Estimator

Get a rough estimate of potential estate duty liability. This is simplified — actual calculations require professional estate planning advice.

Total assets (property, investments, savings) (R) Property value included above (R) Total liabilities (debts, bonds) (R) Bequests to spouse (R) Bequests to approved charities (R) Existing life cover in estate (R)

Net Estate Value

R0

Section 4A Abatement

R3 500 000

Dutiable Estate

R0

Estate Duty Payable

R0

Executor Fees (est. 3.5%)

R0

Liquidity Need

R0

Estate duty is 20% on dutiable estate up to R30m, 25% above. Section 4A abatement is R3.5m. Spouse bequests are generally exempt. This is a simplified estimate only.

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Next Steps

These tools highlight potential gaps and opportunities. The next step is a proper conversation about your specific situation.

Book a ConsultationView Services

Why proper advice matters

These calculators use simplified assumptions. Real financial planning considers your complete picture: income stability, dependants, health, estate goals, tax situation, and more. A consultation helps turn these insights into a structured plan.