Financial Planning 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!

Pre-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.

RA 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 with a RA

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.

Estimate return for a RA contribution

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. 

Calculations to do when retiring

Tax on lump sum from fund at

retirement / death

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 on lump sum when withdrawing

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-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 calculator

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.

Estate Planning / Liquidity calculators

Estate Liquidity Calculation:

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.

Home Loan 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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