South Africa Retirement
Project whether your retirement savings will last in South Africa.
About South Africa Retirement
Simulates retirement: savings grow at the assumed return while you withdraw the yearly spend. The 4% rule suggests starting with ~25× spending.
Formula
Simulate
Balance = balance × (1+r) − spend, each year
Worked example
With the default values below, South Africa Retirement returns Balance After Period of ZAR 415,948.42. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Retirement savingsminimum 0
- 800,000
- Annual spend in retirementminimum 0
- 55,000
- Annual returnaccepts 0–12
- 6
- Years in retirementaccepts 1–50
- 25
Results
- Balance After Period
- ZAR 415,948.42
- Verdict
- Savings last the period.
- 4% Rule Target
- ZAR 1,375,000.00
- Return Used
- 6.0%
Step by step
- 1Values used
- 2Simulate
- 3Balance After Period= 415,948.42
- 4Verdict= Savings last the period.
- 54% Rule Target= 1,375,000.00
- 6Return Used= 6.0
Assumptions and limits
- The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or fees or charges into account.
- Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- Projection — returns are not guaranteed.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Projection — returns are not guaranteed.
Frequently Asked Questions
Is the 4% rule still safe?
For 30-year horizons it has historically held in most markets; adjust for sequence risk and taxes.
How accurate is this estimate?
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.
Related Calculators
South Africa specifics
- Currency
- R ZARSouth African Rand
- Region
- Africa
- Country code
- ZA
- Amounts look like
- R 1 234 567,89
- Dates look like
- 09 Mar 2026
- Units
- metricWeek starts Sunday
In South Africa, a comma marks the decimal and a full stop groups thousands.
Results on this page are expressed in ZAR (South African Rand). Figures are estimates for general planning — confirm current rates and thresholds with the relevant South Africa authority before relying on them.