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Calculators

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Saving for retirement calculators

Retirement needs calculator Assuming an interest rate and inflation rate from today until you pass away, the calculator determines how much you must save to have enough capital at your expected retirement age to provide you with an expected income that will last for your life expectancy. Retirement annuity tax deduction calculator The calculator calculates the maximum deductible current contributions you can make to Retirement annuity fund(s). Disallowed contributions can be carried over to the next year of assessment and, if unused during the total contribution period, can be offset at retirement to increase the tax-free portion of the lump sum, the annuity or other income.   Calculate Tax Saving in a Retirement Annuity Considering your marginal tax rate and assumed new contribution towards a retirement annuity, the calculator gives you a personalised explanation of the effect of the tax saving you should receive if you contribute towards a retirement annuity. Calculate illustrative return on a contribution towards a retirement annuity Although this calculator will give you a good indication of what you can expect to receive after the term for a specific payment, it serves as an illustration of the effect of compounding interest for financial planning purposes and does not take into account the details of the actual product that will be invested in.  

Risk profile calculator

This calculator will assist you to determine what your tolerance is towards risk, to ensure that you select funds in the retirement annuity that you will be comfortable with the returns received.     Affordability calculator Use this budget calculator to calculate how much you can safely contribute towards your retirement annuity without over extending your budget.

Retirement calculators

Tax payable on lump sum at retirement or death from fund The taxable portion of a lump sum from a pension, provident or retirement annuity fund on death is the lump sum less any contribution that have not been allowed as a tax deduction plus the taxable portion of all lump sums previously received. Use the calculator to determine the tax liability at retirement or death on lump sums received from pension, provident and/or retirement annuity funds. Tax payable on lump sum at withdrawal from fund The taxable portion of a pre-retirement lump sum from a pension or provident fund is the amount withdrawn less any transfer to a new fund plus all withdrawal lump sums previously received. Use the calculator to determine your tax liability if you are withdrawing from one of these funds before retirement.

Retirement / investment income cash flow calculator

Use the calculator to determine how long your capital will be sufficient to give you a selected income. You must make an assumption of the return (interest or growth) you will receive on your capital yearly for the term of the investment and for your income to keep track with inflation over the term of the investment you can select a percentage that your income must increase yearly! You can play around with the income amount until you find the right combination of income, yearly growth on the income and the term that the capital will last for your unique needs and provision. Life Insurance calculators Life cover need calculator Taking into consideration the assumed long term inflation rate and assumed interest rate on savings, before and after your death, the life cover calculator calculates what lump sum your estate will need at your untimely death to provide for your funeral costs, provide an income to your loved ones for a chosen period, pay education costs for loved ones, payoff all your debts and provide for whatever other need you wish to address. Disability cover need calculator Disability cover that is available from product providers are capped according to your age and your income, to provide you with an income up to retirement age if you should be disabled. The calculator is an indication of whether your needs fall within the parameters of what is allowed by legislation considering your income and age, and then suggests an amount you could apply for within this parameters. Estate Planning / Liquidity calculators Estate Liquidity Calculation - For the single / unmarried person This calculator calculates if there will be enough liquidity in the last will & testament of the single or unmarried person to execute their last will and testament according to their wishes. Do this calculation to prevent forced selling of assets to cover unforeseen costs which could have the result that your assets can not be distributed according to your wishes.     Estate Liquidity Calculation - Marriage OUT of Community This calculator calculates if there will be enough liquidity in the last will & testament of the people married OUT of community of property to execute their last will and testament according to their wishes. Do this calculation to prevent forced selling of assets to cover unforeseen costs which could have the result that your assets can not be distributed according to your wishes.     Estate Liquidity Calculation - Marriage IN Community This calculator calculates if there will be enough liquidity in the last will and testament of the people married IN community of property to execute their last will and testament according to their wishes. Do this calculation to prevent forced selling of assets to cover unforeseen costs which could have the result that your assets can not be distributed according to your wishes.     Investing & Saving calculators Savings calculator This calculator determines the amount you must save to reach a specific target. To make a more accurate calculation you need to enter the assumed interest rate that you will receive on your savings.   Education calculator Assuming an interest rate and inflation rate, you can use this calculator to calculate how much you must save to make your dreams for further studies for yourself or your loved ones a reality.   Illustrative return for a recurring savings payment calculator The calculator Illustrates the effect of compounded interest for a monthly recurring savings effort for a specified term. The results table is a standard table that bears no relation to any actual quotation. It merely serves as an illustration of compound interest for financial planning purposes and does not take into account the details of the actual product that will be invested in.   Illustrative return for a lump sum investment calculator The calculator Illustrates the effect of compounded interest. The results table is a standard table that bears no relation to any actual quotation. It merely serves as an illustration of compound interest for financial planning purposes and does not take into account the details of the actual product that will be invested in.   Inflation calculators This calculator is designed to help you work out the effect inflation has to your current savings and the depreciation of cash, as well as the effect inflation has on the cost of goods.    

Short-term Insurance calculator

Short-term insurance risk profile calculator Use the calculator to determine your most probable short-term risk profile and complete the request for a quote to determine if you can save on your current short-term insurance premium.   Home Loan | Mortgage | Bond calculators Home Loan Qualifying calculator The Mortgage Qualifying Calculator will help determine the amount that the banks will consider to grant you based on the formula they use.   Home Loan Repayment calculator This calculator can be used to calculate the monthly bond repayments one would be liable to pay based on the size of the loan, and a bond being secured for a given term at a assumed interest rate. Home Loan Additional Costs calculator This online bond and transfer cost calculator allows you to determine the costs associated with the purchase of property and those costs related to the registration of the home loan. These bond and transfer costs are often overlooked when purchasing a property and should be taken into account when assessing your affordability.   Voluntary Additional repayment calculator Use this calculator to calculate your disposable income. Whether it is life insurance, retirement provision, home loan, medical scheme or a short-term policy you are considering, first do this calculation to ensure you don’t over extend yourself.  
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Introduction to calculators

Do the calculations for the service that you are interested in on this webpage. Use the calculators to find immediate answers to the questions you might have. Remember that your only need is what is really required! Find a financial advisor in your town to assist you or follow the links on the applicable calculator pages to receive quality quotes for big brand products with the correct definitions to address your unique needs at the right price!
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